mr. hsu: thank you for the question. so we've received quite a few comments from small businesses and those interested, expressing trt of small businesses and those comments, we've taken those all into account as part of the process, as my colleagues have pointed out. taking very seriously, we're looking very closely at those. mr. williams: ok, very good with that in mind, i yield my time back. mr. mchenry: the gentleman yields his time. we'll now recognize the gentleman from california, mr. vargas, for five minutes. mr. vargas: thank you very much, mr. chairman. i do apologize at the outset for my voice. i'm starting to lose it, i know it's a bad thing for a politician. but it happens. i was excited today, some time ago, to talk about oversight of the prudential regulations and regulators, i should say, and i was very anxious to talk about basil 3-rbgs the end game. it was a signatory to a letter that was sent to you. i do have some great concerns -- [captioning performed by the national captioning institute, which is r