This committee, both perspectives is great. Whatever we do will impact business, it will impact individuals, will impact our competitive nature around the whole planet. With that, i yield back to the chairman. Chair recognizes mr. Clever. Thank you, mr. Chairman. To the Inspector General. There have been problems, obviously, with xm bank. Has there been something so egregious and monstrous that congress should give the xm bank a certificate of distinction . Offersly the decision if xm bank is still around is for congress to decide. All weve done is to look at some of the issues that were appearing to our bank operation. From the Law Enforcement side, weve been very active on that side. We had a hearing last year talking about Risk Management. We have done work on dealing with customers. We look at Economic Impact. All those aspects of the bank we thought needed to be addressed. Since then the banks been working with us and addressing those. Some recommendations still standing. There is
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