bill we re bringing to the senate. let s get to the meat of the legislation. what will your financial reform bill do to protect investors? it does basically four things. we end too big to fail. we have accomplished this with this bill, never again should taxpayers be asked to bailout a financial institution because they have an implicit guarantee that the government will help them when they mess up. number two, we believe the exotic instruments, $91 trillion in 1998 that jumped to almos$19 $600 trillion need to be regulated and have transparency. that was a major cause of the problems as well. thirdly, consumer protection. this is the 21st century, whether it s credit cards or mortgages or other financial instruments, there is no place on a regular basis as a top priority protects the american consumer for financial products