on the floor and talked about in the congressional çoversight panel's final report that the special investigator on the t.a.r.p., inspector general talks about it. >> what's so bad about having one class of banks, the too big to fail banks, the giant banks that get cheaper mean easier access to capital? why is that such a negative? >> well the first thing is because what it crates is moral hazard. that's if you're running a bank or running any institution and you -- if you look at your earnings, you have good years, you have bad years. you have things that go well, you have things that go bad. if you know things can never go too bad what you do there's great incentive and great incentive for the shareholders for you to take a whole lot of risk. there's a direct relationship between risk and your money. if one time you hate rock you know that will go yeah.