is that there might have been moments in time when that took some precedence and where there wasn't this commitment that you had in the s & l crisis. yes, the concern about the fragility of the financial markets was real and was a driving concern, but i think what you have now, martin, is a situation where policymakers say, look, we saved the system. it didn't go down. we didn't have another great depression, a, and, b, you also have a situation where they're now repaying the t.a.r.p. that's a good thing, yes, but it doesn't take into account these moral issues of accountability and main street which, as you pointed out at the top of the show, is still hurting. >> gretchen morgenson of the "new york times." thank you for joining us. who is preparing to flee