proposing new regulatory agencies. so where does your faith come from that two new regulatory agencies will do any better than the regulatory agencies that missed all of this? >> well, candy, first of all, those people should be fired if that's what they were doing, number one. number two is we need a cop who is on the beat, not asleep at the switch. i've said that at banking hearings time and time again for over the past year and pushed the new chair lady to move much more aggressively and we've seen that aggressive action in the recent goldman case that was brought, which i think is incredibly if true, reveals what's going on in the industry. secondly, the consumer financial protection agency, that basically is to empower consumers, to give them plain english language opportunities for them to understand and be part of a system that protects themselves. but at the end of the day, i just think that the abuses of some who were maybe not spending