I didn't mean to lay it all on the Congress. What I meant was, that was where it started because they are the referees. They have to set the regulatory framework. However, Fannie and Freddie then made some absolutely colossal errors. They are bankrupt; they were bought and nationalized. And then the bond rating agencies failed to rate them properly.
So there were failures throughout the mortgage creation value chain, if I can use a technical term. I don't absolve them. I think there are very serious problems in the whole credit rating...and I'm referring now not to the banks that are evaluating the individual mortgage, but to the bond rating companies that evaluate. There's no due diligence there right now, or, I should say, there's no oversight.