also with us, michelle colusa from gilt group.t in, what you -- you parachute in, would you tell everybody at bnp paribas? >> from the outset, it looks like a cultural problem. they have been warned about this. they still had money laundering, and i cannot figure out why, so there is a compliance issue, and maybe a leadership problem. there is a cultural problem. >> how do you define air errort? you have to teach against, rather, at hbs. how do you manage a normal human condition? >> we try not to teach arrogance at hbs, but the truth is, people follow what they think senior management wants, and obviously there was a culture in this thisny that even though was the law, they felt that they did not need to follow it. i do not really understand from the outside wide. >> the idea of the government is saying it is not what bmp did, it was that they kept doing it, even when we told them maybe this was not the thing to do. >> it speaks to belligerence. i'm not sure that deciding to maintain a given when a years worth of profits will be