mccarthy: thank you, and for my colleague who was speaking, my name is carol mccarthy, not carolyn maloney. just to get that straight. i'm not sure, my memory is not good since i've been sec but i was on financial services when we did dodd-frank. and we worked very hard, bipartisanly, on that committee. and we saw the problems on some of the language and we corrected them, bipartisanly. we made sure that when we were dealing with derivatives, that it didn't have the language that you're complaining about. that came from the senate side. when we're talking about the insurance companies and making it easier to make sure they could to their job and not be treated like a bank, we got the language here on the house side. again, the senate side misinterprets and had the wrong ladgewadge. gary miller and i have been working a year, over a year, to make the corrections coming out today. now, i support everything that we're going to be voting on but i'm reluctant about it because talking to my colleagues on the senate side, they have said they will not do it. so something that you all want has a re