some reason it gets a little better. if you are an investor don't get caught up in the feeding friend . this looks really bad. there is nothing in the -- horizon to make it look better for banks, because dodd-frank is onerous when it comes to making money. [ talking over each other ] >> monday morning quarterbacking, fanny and freddie, isn't it ironic the government is cracking didn't on the banks who they encouraged -- >> neil: it is not them, but i see your point. you are saying that's mighty rich. >> it just -- there's an irony there. we'll leave it at that. i'm not a big defender of the banks. i'm been writing about how corrupt they are for years. >> neil: you think bank of america is still too big to fail? >> they have a trillion dollars of deposit. federal government makes up 250,000 of every deposit. that's what fdic insurance