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One is that bankers have to go to prison. when they are reckless, we have not had a single major banker go to prison in the wake of the financial crisis. and i think there was substantial wrongdoing. so there has to be a real risk ri. but you couple that with an ability to make disclosures. you can create something of a grand bargain here where you swept away a lot of the redundant regulation in exchange for saying you have to disclose your risks in meaningful ways that a sophisticated smart layperson but a layperson nonetheless could understand. isn t that what the naive question is the consumer protection bureau does? where does what the obama administration has put in place to protect consumers square with what you found? right. well, what happened was, i increasingly think that the dodd-frank financial reform ....

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