reality is, whoever thought henry pahlssul paulson, henry ps going to run to the united states congress and say, give me money or the economy dies. what you have to have is a credible plan. it has to deal with all the people around the one that needs to die. >> let's say citi six months from now, we wake up and we find out by reading "the wall street journal" that citi is insolvent, they can't pay their debts, they're going down. what does this bill stop from citi saying, give us money or we die? >> we'll have a structure in place, bells and whistles on that, but a structure in place that will deal with counterparties that citi has been dealing with, the doughnut around them. so that it won't start taking the whole economy down. and that citi itself, shareholders are wiped out, top management's fired, their debt takes a hit, citi as it was once