you know, this is a problem that alan smith worried about back in 1776. so i don't think you're going to change that overnight and probably shouldn't in these disturbed circumstances. but i don't want to extend that sense of protection beyond the commercial banking system. i think commercial banking system is the core. they are in charge of the payment system. they run the payment which is which is fundamental, moving money around. they lend money to you and i or individuals. they lend noun businesses and that's still a very important function. those are basic functions. and that's why we protect them. i don't want to see those banks, however, taking a lot of unnecessary risks. it's risky enough lending money, they don't have to do a lot of trading. >> rose: but that's where the question of definition comes. when you said "i don't want to see them doing a lot of trading is it okay to do a little trading? >> well, a little trading is less dangerous than a lot of trading. (laughs) >> rose: of course but what is your definition of "a little" and "a lot." >>