REP. FRANK: (Strikes gavel.) The gentleman from Michigan, Mr. McCotter, is now recognized by members of the Committee for a combined opening statement and questions.
REP. THADDEUS MCCOTTER (R-MI): I thank the chairman. Thank you for your indulgence, and I will have an opening statement and some questions, and I'll try not to take up too much time. And if I cover ground that you already have, please feel free to disregard it and put in your own points.