what i would argue to our president and mr. cohn in the financial choice act with both of them have at least given some comments to we help achieved that goal. at the end of the day, i don't think this is about downsizing banks or super sizing banks, it's about right sizing them with market discipline as opposed to regulatory fiat which has hurt us so bad in 2008 panic when we had federal policy that sent financial institutions to put people into homes that they couldn't ultimately afford to keep. paul: so you would not agree with the idea that some have offered, including democrats, repeal of glads -- glass-steagall or much of it played a role in the financial crisis of 2008? >> not in the least. i don't see any intellectual case that can be made of the fact that those positions that impacted glass-steagall played