Mr. Powell, that is actually a persuasive argument. That's why I supported the bill to come to committee, and it's one of the reasons I am inclined to support the bill, in general, because you make a great point.
I am curious, though. How does collateral work, really specifically? I come to you for a loan and I have a pension fund for my employees. You say you need collateral to lend me the money to open a factory, so I can hire more employees. I am going to say, “Well, I can't, because the law requires all my collateral to be committed to the pension.”
Tell me: How can we resolve that with this bill?