sec wasn't aware, f.b.i. wasn't aware, how would they be aware? as a banking institution you are entrusted with consumer confidence. if you settle in your eyes as a lawyer, a settlement, we read it as one thing. but the public confidence, were they settling because they were part of this activity? i don't think banking institutions -- >> the business is investigating. >> gregg: david, let me ask you this. one is suing against racketeering statutes, called rico. you handled rico cases. you know this allows for triple damages, so-called treble damages, won't that serve a strong incentives for the banks to settle the case because they don't want to get hit with triple damages? >> all you have to prove under a civil rico suit is two acts. that can be money laundering and fraud.