revisit this in three, five, ten years when you're allowing the banks to get into a business in which they're taking the savings, pensions and the dollars of hardworking americans and put it in the market. investment banking is a separate enterprise unto itself. it should not be comingled with the banking opportunities for small business owners and for families. and i think this particular provision is going to come back to bite the american people down the road. so that's having said that, i think that at the end of the day, i guess i'm a little bit pessimistic, but a little bit hopeful in terms of what you saw play out, alex, in the last few weeks, that harry reid and mitch mcconnell along with john boehner and nancy pelosi, up until she realized she was on the wrong side of the issue for her base in the house could actually navigate this -- these waters and get a bill together to get to the president for his signature. and that may bode well for some