Rubin's got "regrets" and Prince is "deeply sorry" that management wasn't more "prescient." Also, you should know, that since taking up early retirement, Chuck has "given a great deal of thought to the unique events that led to the financial crisis and which bring us here today."

Robert Rubin's Prepared Statements for the F.C.I.C.

Charles Prince's Prepared Remarks for the F.C.I.C.