But I think it is clear from your testimony and from the comments of Mr. Bernanke that we are not so certain that they are going to be excluded or this law is not going to impact them.

So you took the risk. You innovated the product. And now, Mr. Kantor's clients enjoy that product. Is that right?

I have heard from--as every district--we have a lot of merchants in my district and my community and I understand the problem that they convey to me that they face with the interchange fees.

But is it fair to say that your clients can use cash?

It is going to be the American consumers at the end of the line.

I thank the chairman for yielding time to me to address the issue today with regard to unspent, unobligated stimulus money. Two years ago, this Congress voted to spend nearly a trillion dollars of stimulus money. They said that we could…

Of course there is, because taxes affect the rate of return on an investment.

I think conflating those is part of what led to things. So address affordable housing separately.

I am not in favor of tax increases as--following my colleague here, John Taylor.

Mr. Speaker, Americans have wanted health care reform for some time now, but they don't want what passed last spring. This is a 2,000-page bill that gives us more mandates and more regulation. It doesn't accomplish the goal of reducing…