Sen. Chris Dodd (D-CT) (L), Chairman of the Senate Banking Committee, and ranking member Sen. Richard Shelby (R-AL) (R) listen to testimony 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, April 3, 2008. REUTERS/Jonathan Ernst (UNITED STATES)