I think they all agreed to increase the Truth in Lending Act to equalize all cards to an equal standard.

We have got to get a technology--I am not sure that human interaction piece is going to be----

The American public is very, very concerned about this issue, and we can either do it in a collaborative fashion, or we can do it in an adversarial fashion.

It would seem to me that equalizing cards on a same standard makes common sense. Give me a reason why not.

It is my strong hope that as we approach this issue, we recognize, rather than pointing blame at each other, the only way this is going to work to protect consumers and give them the confidence they need is for the banking industry, the…

There has got to be a materiality piece in here somewhere.

I think we have seen today actually that across the panel there was a sense that we need to move aggressively to chip and PIN.

I would only point out, as I dug into the data on the U.K., when we saw chip and PIN and face-to-face transaction fraud drop dramatically, it was like squeezing a balloon, and you saw online fraud in the U.K. shoot up, I think something…

I am interested and I would like to hear more.

Data security problems are not going to go away on their own, so Congress really needs to consider whether to strengthen the FTC's hand.

How do you make sure that laws can evolve quickly enough so you do not--if you think about NIST or other standards, it sometimes takes 7 years to evolve.

I think that the question of enforcement has got to be an area that we focus on.

I think this is a real problem that the FTC's enforcement authority in this area is so limited.

Do we need to do this in--I believe we need to do this in collaboration with industry, setting a regulatory process that would be static in an area that moves this quickly.

How do you get the standard right on when it becomes the duty of the company or the financial institution to report an incursion?

I enthusiastically support Davita and urge the committee to favorably report her nomination and look forward to working towards her swift confirmation on the Senate floor.

What was the cost of the system?

I guess very quickly--and if you want to submit longer answers as we sort through a solution set--and recognizing the very legitimate concerns Senator Roberts raised that this should not be kind of a one-size-fits-all federal proposition.

Can you wrap up in a minute, because we have a 10:30 fairly hard stop.

The idea that this should be accepted as a status quo is totally unacceptable to me.

It is frankly, to me, an embarrassment that we, the oldest functioning democracy in the world, cannot make these simple fixes.

Voting is the ultimate, most foundational civil right in our free society, and we should treat it accordingly.

I do not agree with my dear friend Senator Roberts that we do not need any federal legislation.

we think competitive grant program, or some of the ideas that Senator Boxer had, but you guys are the experts.

You should not have to be a marathon runner. That is not what our founders envisioned.