. >> senator moramoran. >> senator, thank you very much. this is one of the hearings that i have participated in and this committee has held in regards to the implementation of dodd/frank and when i asked for the committee assignments a year and a half ago, i asked for the b banking committee, was told by some, you don't want to be on the banking committee, because the bank is done, and they have passed dodd/frank and the heyday has come and gone, and in my view, oversight, implementation, and modification and alteration of dodd/frank is a very important task for this congress. one that i wanted to fully engage in, because the consequences of dodd/frank are tremendous, and certainly to directly to financial institutions, but more importantly to the customers and the borrowers and the depositors that we care a lot about. it is concerning to me that while we continue to have these hearings, i am -- my concern is that there is no legislation that then follows the series of ideas that are presented and certainly i would guess that every member