Mr. Derek Quinlan:

Well, you just can't say it's ... this is my view and, as I say, I'm quoting ... you know, when I quoted Mr. Greenspan or the ... the chairman that came in, Mr. Bernanke who, as I say, had much better information systems ... when Mr. Bernanke said, "the sub-prime crisis is probably $100 million problem", he got it wrong. And he got it wrong based on very ... I've no idea the amount of people working in the Federal Reserve, Senator, but I'm certain that they've huge teams of researchers, analysts, etc. And they got it wrong.