to frighten these people to obey the law. and i think that unless the sherrod brown amendment, and the senator from delaware, they're offering an amendment. and i hope that that is brought to the floor because it will at least put a cap on the size of these banks so they won't be allowed to be too big to fail from that point on. but the current bill doesn't say that. it's still going to allow them to be too big to fail, and frankly i agree with the economist simon johnson who says these banks should be broken up. into about 28 different banks. that would protect us. >> michael, i always find in a normal universe, i find it to be a legitimate question about whether government can get something more right than, say, the private sector. let's just for the moment think about, well, okay, the size of banks. what are the odds of government being able to measure that and get that more right than the