talking about a new capital charge for the biggest banks around the world. maybe 20 to 25 banks around the world are going to have to pay an additional 2% or 3%, because they represent more risk. so here's a big question. if they have to pay these additional capital charges, where does that money come from? should it come from salaries? is that part of the new normal, that you have a stepdown in salaries on wall street? we really don't know how it all plays out. we know there are going to be tougher regulations. we know that profits are a little bit less than we were. so change is on on wall street and where it shakes out remains to be seen. >> we've seen in the past, greg, people change, they become a little more austere for a wile, but then go back to their old ways. there have been moments in history, though, the greaeeat depression being one of them, where it really changed the society. do you think we'll see that here after this great recession? >> i really think we will. because we got used to thinking that everybody could have five credit cards by the time they were 22 and that was normal and