chris dodd in an op-ed today said the bill chips away at effective oversight. people are saying this isn't a major scaleback of dodd-frank, but senator dodd and congressman frank say vote no because they recognize it's damaging to the work that we all did. experts like paul volcker, head of the federal reserve, sheila bair, head of fdic, republican appointment by president bush, used to be chief of staff for senator bob dole. dan turillo, read of regulation for the federal reserve wants us to vote no. sarah bloom raskin at the federal reserve and secretary of treasury. tom honig, a republican who said fdic, earlier was a fed president. antonio weiss at the treasury department. paul tucker, international regulator. phil angelides, former california state treasurer who ran the commission that examined what happened in the bank crisis, all wrote to the senate, all outlined a combined 28 pages worth of concerns about this bill, and my colleagues just say oh, this is just helping the small community banks and some of the regional banks a little bit. well, not exactly