. >> carmen segarra, are you suggesting is a coziness but the new york fed and goldman sachs and other banks? >> coziness is to general of the term. legal minds will, you know, physically and that word is generous but there is a lot of things going on that should not be going on. misrepresentation, illegal behavior, a lot of were breaking because on that is going unpunished. >> you made a big decision. >> yes. >> what was it? >> i made two big decisions. the first decision came with a result of a trigger event that was potentially to delete information from a report i have compared which is illegal because that would be record tampering. i refused to do it though and i sought legal advice from outside the fed much more experience than i was and they advised me court went on and said we know it's a problem but it's difficult in a big knowledge gap between what is known by the public and what is really going on. it's hard to prove that these things are going on so we suggested if you record it to get more information as to what is going on. i went ahead and decided to record when i was w