Adam Smith actually said...

"I think that over the years we pass a bill every year, and I am sure we have unintentionally put together some regulations..."

"One of the things that we really focus on is how can we make quicker decisions."

"we are supposed to exercise oversight. And every once in a while we are right. So we are going to keep exercising that oversight."

"The problem I think everyone here is very good at describing, too many requirements, too many people in charge."