taken out 15 billion of bank revenue. neither one is good for the economy. >> mark, it doesn't take much to cause a run on the bank. back in 2008 when the banks were in trouble we saw runs on indy mac and that bank doesn't exist anymore. >> you are absolutely right. the problem here is simple. earnings here are up in the banks and revenues are down. banks are trying to recapture the revenue and doing it in the wrong way. they are raising fees on consumers who can't afford it. here is a proem that the system is federally insured deposit and banks are encouraged to take rick and pay big bonus, then in trouble, taxpayer and consumer pay for the system is broken. >> but banks are part of the a capitalist system and have to make a problem.