necessary. the problem with the alternative approach from brown and vitter is that it s just this very gross leverage cap where you say, well, we ll make the banks safe by telling them that they have to have lots of equity. and i think that s a good policy. but if you just do that and you don t also do the complicated dodd/frank approach, then the banks can stuff themselves with really risky loans, where even if you have a lot of equity, you can still have failure. so i think you need both. i have his frustration. there s a lot of value in the dodd/frank law. there are things that it s doing that will make the financial system safer. i think he deserves some credit for that and i think he feels like he s not getting it. but it feels to me like part of the issue here has to do with this idea that sort of capitol greed finds a way. so this is your point about both simple and complex absolutely, absolutely. capital and greed have found a way here. this is 2,300 pages, the dodd/frank