mr. ginter for 5 minutes. >did you pull a number out of the air? >> no, if you look at the paper, we used that as a baseline of 80 basis points and we couched in very careful language. we said this is inaccurate and this is the best we can do given the available evidence. we gave the reader an explanation as to why they should consider multiples of 80 basis points, twice or three times that, based on a lengthy analysis we did in the paper, pages and pages explaining why the cfpb has the powers and the likelihood, particularly in the earlier version of legislation, to increase interest rates. with all due respect, he has produced absolutely nothing on this topic. the notion that we are engaging in this exercise and creating this mess of agency and the best we can get is we will have to see, for me, that is not good enough. >> thank you for that testimony. i would concur that it is not good enough for congress either or it is -- or it shouldn't be. this issue is too important for us to guesstimate. . all members of congress want to solve the problem