them borrow. two great voices austin golds goldsby and peter mauriceymauri. welcome to both of you, austin, first just to you, on dodd frank, i know there s the administrative piece addressed with the executive action then the legislative that has to be addressed by congress. but sean spicer said dodd frank was a disaster, hasn t at all achieved its goal. what do you think? look, when you go start ripping up the rules of the road, it scares me. i m not saying dodd frank was perfect. clearly like any large legislation we ve passed in the