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put that on better footing to make everything above board and open and we will see. shepard: everyone says what we did, the stimulus and the rest did not work. but it did work. the politics aside, it worked. you may not like it but it worked. it stopped the collapse. but we did not change the rules for the banks. so the same problem we could have had then exists no you but they are better capitalized. gerri: better capitalized. there are different rules for banks. bank of america c.e.o. says the reason he is charging the higher fees is because he has new rules from congress costing him $60 billion. shepard: they just administrator fees somewhere else. gerri: exactly. shepard: the european central bank took steps today whether they will be enough is another matter. gerri: great question. they said we will looney bank loan unlimited one year loans,