The risk is that we repeat the experience of regulating the banks in the 1920s and the depression that followed 10 years of depression. The risk is that we repeat what happened in 2008 when campaign contributions poured into Congress from the securities-based swap industry elsewhere in the financial services industry and we had decades of deregulation. The economy collapsed. Millions of American families losing their homes, people unemployed. We've been through this again and again and this Congress needs to get it right this time and carefully read this bill and listen to witnesses including the witnesses who might disagree and instead of the personal attacks that I've experienced today some dignity from this Senate care in drafting this bill and thinking about the American people you represent. We do not want another economic collapse caused by deregulation of financial services sector. And I want to ask you all, do you understand the bill? Have you listened to all sides? And are you willing to allow the regulators to use their expertise to watch what's going on in the sector as Chairman Massad has suggested that you should? Please, we don't want to go through those experiences again.