i don t think it is politically feasible to get rid of the pgc. we have to be a safety net or entitlement. getting rid of it gets rid of a safety net when what we want is keep the safety net, not make it entitlement. john, keep the safety net? go ahead. i don t see why we are on the hook for company errors. that s the problem, it made us into a safety net society, keep propping up failures of others. michael? if you allow them to charge the proper rate, you won t have to bail it out. that s the point. keeping the rate low, it isn t able to cover its liabilities. i agree with mike on this. exactly the problem. great panel, you guys. next, are rocky times ahead. names that survive and thrive, even if the market goes down. stay with us. kid: hey dad, who was that man? dad: he s our broker. he helps looks after all our money.