argument is, as i understand it, they've gone too far. it's one thing to increase oversight, meaningful oversight of wall street in a way that would potentially prevent that melt down from happening again, but this according to critics cracks down on banks and actually the critics say small businesses as well in a way that could potentially prove to be detriment al. the obama anministration says it will help small businesses. the chamber of commerce says that's a bunch of bunk. >> smaller banks, their cost of compliance with the new regulation is going to be a much greater percentage of their profit than a larger bank, they are going to suffer. the same will happen to small businesses. their cost of compliance is going to be disproportionately higher. you know in this consumer protection there is something about individual lending, and i'm wondering when it all comes -- when we find out what all the regulations are, is the government going to get between you and me now if one of us --