worked wonderfully and there should be no reform whatsoever. last point, i have a contest going on. i want someone to tell me an example in american history in the financial area where we overregulated on behalf of consumers. i can't think of one, unfortunately. >> well, this begs that point, and you included it in that great summation of what's going on here. but i'd like to emphasize this one idea here about where that consumer protection agency is. what happens if there's an owe version created not the way you outlined it? >> first of all sh that's not going to happen until we have a vote in the senate. and i am committed -- my republican colleagues go off and on like a light switch. they wanted the health care bill negotiated in public. i want in charge of the health care bill but i have a lot to say about the financial bill. i'm giving them their wish. we will have a conference. if a bill comes out where republicans and over chris dodd's objection, let me talk about chris dodd, he's done the best job i think he can do.