is glass-steigel modernized which is to say don't trade for your own account. so you're not competing with your commerce and your customers are your top commerce. don't clean up. don't be stalking customers that they don't want. it's because of this. >> are the forces that are working against progress, are they not resistible? is there a change possible in terms of legislation, something that somebody would send you, or are we talking about needing a cultural kind of change, which is more difficult to conceive of? >> i think it's very difficult to take on financial interests. i work so hard on the credit card bill. i use that as an example because it's easier to use an example. i can't even walk down the street without hearing about