are very important created a culture in our retail banking business that was inappropriate. >> do you believe that wells fargo put too much blame on low-level employees for the fake account scandal. i don't believe so. i think that senior leadership has taken accountability. by having said that i think that one of the fundamental mistakes that we made was that we had an incentive compeation plan in place that created a culture that was uncomfortable for a lot of people. >> so you don't think that terminating 5300 employees for these actions, and you don't think that's pointing too much blame on folks, on lower level employees. >> on those team members that did something that was fraudulent or violated our code of ethics, no. >> but at the direction of their management? >> i think for those team
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