. >> joining me now, david k. johnson, journalist and tax specialist. you with us tonight. did they buy their way out of prosecution? it seems rather strange a company would step ford and say, you know what, all right, we'll pay up $13 billion because we're really good guys on wall street. what do you think this is about? >> i think they got a really sweet deal here. most of this is money they would probably end up having to spend anyway, to work things out with their customers who have been cheated. and they may yet deduct a great deal. the real cost may be less than $10 billion. and that's about what jpmorgan spends per year on dividends to its investors. >>, and of course, this money doesn't do anything for the people affected by the jpmorgan mortgage practices, does it? >> well, some of it will. some of it is supposed to provide some remediation. that's why it will be tax deductible, but compared to the damage done, damages like this, penalties down here. el. >> well, we did lose $24 billion on the shutdown. so i don't know who is doing the math on