poor would be out there ripping off, mainly each other. there aren't enough rich people to go around. so sooner or later you run out of other people's money. >> you only get transparency if you put rules in place. the night before lehman collapsed, i was standing on the highway begging for someone to baby sit my child because we had to go to work. banks are not going to be transparent unless you force them to. why would they? >> correct. bank regulation, as you said is stronger than it used to be. both at the national level and international level. that is helpful. >> helpful except gary cohn is saying, we need to deregulate. banks are in such good shape because we force them to hold such money in reserves. that international level of,