and then we have our vice chairman of the committee, randi nugenbauer. we've met with randy's office and he has scheduled all the meetings and we have had several meetings. we've ironed this thing out and we knew we needed to get it right. let me say this, financial services, regulatory reform and the structure of our regulatory system is of critical importance and we knew that we had to get it right. we're offering today our solutions to address the causes of the financial crisis that we've all been going through, us and the families we represent. and to create a more transparent and accountable regulatory system. you'll see that a lot of what we propose here is about accountability and transparency and to create a system that will better protect investors, taxpayers, and consumers. consumer protection is very important. and the whole risk takers on wall street responsible for their actions, not the taxpayer. in the last two years we've seen unprecedented government intervention at our financial markets. the regulators have acted on many occasions with l