Cynthia M. Lummis: “And normally, under CERCLA, the polluter pays, but if the substance is there, and the polluter can't be identified, the…”

That is really good advice. That is just red tape upon red tape. It hurts the Tribes as much as anybody, perhaps more than anybody, who is dealing with compliance issues.

So if your ultimate goal is to provide real consumer protection, shouldn't the SEC withdraw Staff Accounting Bulletin 121 to allow banks to provide custody?

The problems that you are solving with your approaches are extremely important.

What does the housing shortfall look like in rural communities?