Pat, I have to interrupt you. We're at the five-minute mark.
That concludes the time we have set aside for questions. I'm truly sorry to have to shut this off, because we're fortunate to have two such leading authorities as yourselves come and share your testimony with us.
We value it very much and we will benefit from it very much. I hope we have the opportunity to hear from you again, should the committee members feel it advisable after we've heard testimony from the credit agencies and the banks.
Thank you so much, both of you, for being with us today.
We're going to suspend the meeting briefly while our witnesses leave the room, and we'll reconvene in camera for the study of future business.
[Proceedings continue in camera]