deregulation, since dodd-frank, i should say, is we have seen the largest banks become even larger. the cbo, congressional budget office reported just the other day as you will recall, they said this moves us closer to the likelihood of another bank failing. why would we want to do that? banks are now making in general -- they have made in the last two years record breaking profits. yes, we want to help credit unions and small banks, but banks that are worth 200, $250 billion in assets, those are not small banks. >> do you think a collapse like we saw in 2008 could happen again? are there enough stopgaps in place? >> that is precisely what they're doing. they're removing some of those stopgaps. and according to the cbo, it will make it more likely that some of these banks may fail leading to a massive taxpayer bail. let me ask you this. not ask you this. all over the country there are issues on people's minds. whether it's guns, immigration, health care. it amazes me that this is the