i think it's pretty reasonable. >> pat, this is bob mcnair. how are you? ry serves me correct, part of the financial crisis that we went through, i don't recall that it was brought about as a result of small companies going public and defrauding the public. do you recall any involvement on the part of small businesses and smaller ipos being the cause of this crisis? >> i sure don't. i don't think it had anything to do with small companies trying to raise the capital so that they can grow. i think the fault lies many other places. >> well, in terms of the regulations, it just seems that most of the regulations are directed about things that have happened in the past without really looking into the future. and it's the things in the future -- we don't know what will happen in the future. and invariably reacting to the past does not -- does not deal with these things that can cause problems in the future. but i don't think this was one of them, so i'm just amazed that there would be this resistance to giving small business a little -- a little slack here when

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