testimony by the indidn't community -- independent community bankers, and timely testimony by anthony b. sanders. i ask unanimous concept they are submitted to the record. without objection, so ordered. today's hearing was certainly interesting. we had two often times dramatically different views of the facts, the lay of the land, but certainly stimulating and interesting for us to inform congress' thinking on how the implementation of dodd-frank is progressing. the impact of the t.a.r.p. program and the bailouts and whether or not bailouts continue . he refers to hamp to a process and poorly designed and executed. the main stream goals were not followed through with, and finally he testified what he said was resolution authority was a joke, and that dwoaz to the heart of really what many of us here in terms of congress believe is one the lasting impact of dodd frank is that we've codified the bailouts in terms of calls it resolution authority. now, that was testimony, and he did an able job of defending the administration's actions in particular hamp, we disagree on the impact it has with terms