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could this happen again? do we think this could happen again? one financial institution. since there is no lehman brothers. could it bring down the lexicon? >> i don't want to say never and there will be crisis. nothing we ever did will preclude the economic crisis. the question is will he metastasize or grow from a serious problem beginning in the residential mortgage market and grow into what you described here this morning. what we hope we have done by setting up the federal financial oversight boards and protection bureau and giving the federal reserve much more additional powers and closing down the shadow banking system and including financial institutions beyond the banking sector. these are all major provisions of the bill. none of them have been tested yet. the bureau is, wooing. we hope we have done it well and

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