shadows. the president wants those much more visible. higher capital requirements so if big financial institutions take big risks, they have enough capital to back those risks up if they come acropper. those are some of the main items on the president's agenda there are some. white house press secretary robert gibbs made clear at today's briefing it's all about the big banks and making sure their behavior changes. >> we are not watering down financial reform on behalf of big banks: wee just not going to do that. that's -- if that's the price of what republicans want for them to call reform, that's not a price that the president is willing to do. >> now, shepard, of course big financial institutions were at the heart of the wall street crisis. but there are small and medium sized banks that have some fears that washington and wall street could be so obsessed with the big banks these new regulations might take the eyes off what's good for and what will help more is smaller banks on main street.