first of all, it was fear. they were in a full state of panic. when i came on board in december of 08 and started making suggestions, recommendations and talking to them about it, they were paralyzed with fear about what was going on and they were terrified that banks were not going to participate. the banks were going to walk away. there was this real fear of total collapse and i think that led them not to realize the real strong leverage in negotiating position they ve had. i think that s part of it. second, i think it was a naive belief that banks were just going to magically do the right thing and fulfill treasury s policy without these requirements. in looking back on it it s somewhat laughable but, you know, the thought, okay, the banks have the money, of course they re going to start lending and of course they ll do these things, of course, that s not what happened. they ll see profit. that s how a capital society works. banks see profits wherever they can. they don t do policy