Finance committee  I can answer that in two ways. First, on the people who created the debacle, it's kind of like you and I starting a fire and leaving the room and then showing up in half an hour in firemen suits and getting paid to put it out. Clearly, compensation and greed has caused the problem.

Finance committee  Thank you, Mr. Chairman. I think our presentation is going to encompass and touch on what everybody has presented here. Clearly, we're going through epic volatility in world equity markets, and what has happened in the United States and in Europe is going to continue. We've had this pregnant pause, and my concern going forward is threefold.