i'm not talking about hsbc now. that may not be appropriate. i am concerned that the size of some of these institutions becomes so large that it does become difficult for us to prosecute them when we are hit with indications that if you do prosecute, if you do bring a criminal charge it will have a negative impact on the national economy, perhaps even the world economy, and i think that is a function of the fact that some of these institutions have become too large. again, not talking about hsbc. this is a more general comment. i think it has an inhibiting influence, impact on our ability to bring resolutions that i think would be more appropriate. and i think that is something that we -- you all need to