much more valuable in their sum than the value of the whole. having said all that, i believe there needs to be an amendment that deals with the issue of too big to fail, very simply, saying big to fail, very simply, saying very simply saying that if there is something by the financial stability oversight council, if they develop an approach to does this is an institution that is just too big to fail, the moral hazard for a country and the systemic risk for a country is too great, for we judge it too big to fail. i believe really what ought to happen over five years is a systematic divestiture, cetaceans of the institution remains an institution that has not been too big to fail. i m about to be something that we consider as we develop our approach to these financial reform measures. i don t think big is always bad and i think small is always beautiful. i want us to be big enough to compete. i want us to have the resources to be able to make big investments in big projects.