have been watching after that -- this and they need to be arrested because somebody wasn't paying attenonany deposits on -- under $50,000 are going. --gone. we had -- if we had laws like this that restrict, this wouldn't happen. if they want to take their own money, they shouldn't do that but not the depositors money. thank you. host: professor davis? guest: i have a friend -- think about what she was saying there and the thing that rang true to me is that we want people who owthese banks to have a stake in their decision. she says we want to play with our own money and i say we want them to have higher levels of capital in their bank but it amounts to the same thing. host: recently in the wall street journal, taking look at the fdic actions. they said this, calling it a defect of bankel o the thinking sysen as regulars have been telling us the economy is great, the unpleasant truth that washington wi not admit ma years of revatory mist --on mi and many officials will pay for the mistakes but they were encourageby easy money and miuided regulation and it goes on fr there. guest: there are