more tied than they were ten years ago. >> unfortunately that is correct. dodd-frank had far more good aspects than bad, but there were a number of foolish provisions in dodd-frank, one of those does restrict the federal reserve's ability to assist a troubled institution. >> what do you worry about in terms of the next crisis, when you think about the banks that are your clients >> i would think the one existential threat remains cybersecurity. all the capital and all the liquidity, all the resolution plans in the world do not work if the customers cannot access their money, if the bank cannot access its systems so cyberis one, two, and three among the worries. >> given what you know about the cybersecurity plans, if you will, or strategies around security, do you feel like we're safe >> i do not. the banks actually have done an