Federal Reserve Chairman Ben Bernanke (at table, from left), SEC Chairman Christopher Cox, Treasury Undersecretary for Domestic Finance Robert Steel and Timothy Geithner, president of the Federal Reserve Bank of New York, appear before the Senate Banking Committee during a hearing on the response by federal financial regulators to ongoing turmoil in U.S. credit and mortgage markets and the near collapse of brokerage firm Bear Stearns, on Capitol Hill in Washington, April 3, 2008. REUTERS/Jonathan Ernst (UNITED STATES)