christine, that somebody would say why are we going so fast given everything that s happened. there is an argument that people make to say when we regulate, sometimes or when we take out regulations, it has unintended consequences and sometimes those consequences are 10 to 15 to 20 years down the road. when s the right time and what s the right speed with which to put some regulation in? as you and i discussed, everything that happened in 2008 can happen again today. virtually nothing has a rule that would prevent it from happening again. absolutely. the only reason why it wouldn t happen today is because the banks are so chastened and the big, you know, kind of financial engineers and some of the insurance companies are so chastened they re not making the risky bets they used to. when that memory fades, what is there in place right now, ali? you re right, to make sure this doesn t happen again. one of the things so interesting about this is that chris dodd was on that senate committ