there are greater powers now to take over and liquidate such institutions, not tlinl, not run a conservatorship. you can liquidate an institution in an orderly manner and buffer the rest of the financial system against the consequences of that liquidation. now, whether those mechanisms are sufficiently detailed and credible, i have my doubts, and on it this system resolution advisory committee i might stand out as a skeptic of what the fdic has put on the table so far. they're moving in the right direction. the ability to incredibly threaten to bankrupt such a company without necessarily using the bankruptcy code, because that is part of what can lead to the cataclysmic lehman brothers, that's a sensible goal. if the markets believed that bank of america, citigroup, goldman sachs could fail like mf global failed, then they could borrow so cheaply and at that take on the big risks and build the mass itch, dangerous exposures across borders. we're not there yet but moving in that direction. we need to expedite and have a capital sound. we shouldn't be bound by the lowest deno, ma'am senator appro