--the next time the krantz transfer secretary called the bank and a crisis, do they hang up on them? >> i don't know what they would do. jpmorgan a place that had to get bear stearns. we would've had the lehman beart earlier. now that we areorgan -- now holding them legally responsible for what we asked them to do at that time. as far as that piece of the basically -- you are -- the government is being given a position to look back and rewrite the rules of what actually, contextually happened. they didn't come forward with the idea of buying bear stearns and absorbing it. we brought it to them. and now we are saying that they're legally culpable. >> final question. if each of you could have individually done one thing different during the crisis, either before, after, during, i don't care, what would it have been? >> i have thought about this a lot. the communications was the hardest thing we struggled with. we had one microphone, but two different audiences. we wanted to project confidence to the markets, but let congress know how terrified we were. we ended up with a muddled messag