but they don't get to use the money in your grandma's checking account to do that. they don't get to take the money out of someone's savings account to do that. we're just going to put a wall back in place. basic banking should be boring. risk taking should happen somewhere else. >> so this sounds eminently sensible to me and i have read a million position papers on this and articles. we had this debate during dodd/frank and there was this thing called the volcker rule and was idea behind the volcker rule is it was a 21st century version of glass steagall. it was going to be regulatory rules that drew that church/state separation between the risky stuff and insured stuff and it's a year later from when we should have the volcker rule and we do not have it. what to you make of that? >> in fact, i'm going to push the point further. you remember when the crash occurred what we all talked about is that one of the problems we had that created too big to fail was too much concentration of the top.