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house -- when the chairman of the house financial committee decided to push forward with this did sotionyear, he largely working within his own party. so, when the vote came about in their committee last july, it only with republican support. there was no attempt to reach out to the ranking member, maxine waters, and the members on the committee, to develop a bill together. that is different, and it should be compared and contrasted with the senate effort where chairman johnson and ranking member crapo decided from the beginning of this conference when they began this effort to really work together. so, their effort, virtually from day one, has been let's work together, have our meetings together, work on the hearing schedules, the hearing topics, figure out the underlying goals we want to achieve together and develop legislation based on that process. it has been bipartisan from the get-go. -- guest: a lot of that reflect differences in the institutions. the senate really does require a bipartisan effort to pass legislation. the house is a majority institution, and it is very common to