a.i. g meryl and citigroup when these companies had failed to adequately perform and uphold their fiduciary responsibilities to their stockholders? what made these three different from lehman? >> we made extraordinary efforts to prevent lehman from failing. we were unsuccessful, partly because we could not find a merger partner. bank of america was a potential partner. they decided against it and we didn't try to coerce them to do it. we didn't have the powers to save lehman and that's why they failed, very much -- we were very concerned about it and our concerns proved to be justified. with respect to the other cases, we did everything we could to avoid a systemic failure because of the risks to the system, a.i.g. was possible to address because the large insurance company provided collateral for a loan which allowed us to provide liquidity to the financial products division which was the source of the problem. after the congress passed the t.a.r.p. legislation, it was easier to address these probingdz. if we had t.a.r.m. in september we might have been able to address lehman problem. >> w