appears it appears like it was absolute, they were going to increase all the fees but it looks like what they are saying now they are just looking at this in terms of new customers and even there, they seem, listen, they will be under incredible pressure not to do this. that is the problem. >>neil: they will be under financial crisis to do this? >>reporter: that is the problem, too-big-to-fail banks regulatessed like well and the bankers have to basically -- same thing jamie dimeon n come to the next, wouldn't it be better with less oversite and he said, no, and i believe this is why they is to break up, they have to break up because when you break up you can carry less regulation capital and you do not have investment banking and commercial banking under one roof where the regulators are, really --.