right? as long as you have enough protection and enough buffers so the taxpayers are not on the hook, who cares, right? >> again, what we're seeing at the core of this and i think what most americans take away from this is that actions and consequences may again be disconnected. potentially they will do clawbacks. i hope they do, because can you imagine when they do their been us reportings and people seem to be getting lots of big bonuses, because as you pointed out, they're going to still make money. but yet it just doesn't sound right. but i think part of the problem -- to susan's point about the regulators were in there, i think part of the problem is, again, i don't actually think the people who were working at the bank know more than the regulators. i think part of the problem is that too many people don't actually know what's really going on, and i think you're starting to see, sort of, at the grassroots level is actually some conversation coming both on conservative circles and more liberal circles that we may need to break the banks up, and that