capuana. >> thank you. i've agreed with a lot of statements you made. i know that may surprise some people, but it shouldn't. first of all, i welcome your voice in the discussion about what is appropriate regulation. there's no golden answer. at least i don't come to the table thinking i know the answer. you think, you try, you talk to people like you. i welcome your voice whether we agree or not in the final analysis. i particularly welcome your comments on title ii of dodd-frank. you have clearly stated you are not too big to fail. is that a misinterpretation? >> no. >> i agree with you, but i wish that some of my colleagues on the other side would finally hear that. i think we handle that in dodd-frank. you've stated it. i agree with you. i also agree with you on the simplification of regulators. we have too many regulators. in general, the larger institutions in the organizations were nowhere to be found when we're having this debate during dodd-frank. i was on the side of trying to simplify the number of regulators. not because of what they're goin