shey's gislation effectively -- [unintelgible] >> [unielligible] >> i spose that we are using the titles of the sate restoring the financial stability act of 2010. considering the sweepg nature this is the mos important financial services confence committee since the gramley said bliley act of 1999. i fear deregulation would have negative consequences. i voted no. i was right. the finaial crisis legistion we have drafted has made clear the important role of the financial-services industry in the lives of everyday americans, rich and poor, homeowners and renters. this provides us with the attorney to use public policy to level the playing fie, be fair, and not to benefitullied th few, the powerful, the rich, but all americans. -- and knocked benefit solely -- and not bbnefit solely the few, th powerful, the ritz, but all american the provisiono establish a protection agency is essential to this legislation. derivatives, including credit default swaps also contributed to the current crisis. these complex instruments were designed to earn huge profits for parties on all sides of the transac