not only are they going to guarantee a lot of wachovia's loans and liabilities. when wells fargo came in with an offer three times as large, the federal regulators were upset at wells fargo. southwest bank in my district, i had probably 2000 constituents that owned south trust stock. and had the fdic been successful in what they plan to do, those people -- many of the retirements would have been 1/3 of the size they had been. if when wells fargo bought them. >> when -- will the dome in yield? >> of the fdic did a horrible job. >> what is your amendment not change that? you make my point. it does not apply to the fdic depository institution. if that is what you're worried about, why don't you apply it to depository institutions? under the amendment you are talking about now, that would not change and it would still be the fdic. i don't understand if you really mean that -- >> i would yield the gentleman from california. whether it is the fdic or a federal reserve, the bankruptcy enhanced process we are able to take derivatives and all these other problems we have