joining us from chicago is david ruder, law professor at northwestern university and former s.e.c. chairman. professor ruder, welcome to "nightly business report." professor ruder, welcome to "nightly business report". hello, professor ruder? >> yes, can you hear me? hello? can't hear me? >> gharib: yes, i can hear you now. as you heard, the s.e.c. said today that this goldman sachs settlement sends a powerful message that other firms that violate fair business practices will pay a heavy price. do you think goldman sachs is paying a heavy price? >> i think goldman sachs is paying a heavy price since it was only one transaction that was covered by this settlement. goldman sachs is still in the position of having to worry about s.e.c. enforcement regarding its prior practices and of course s.e.c. possible enforcement if it fails to conform with the settlement. >> gharib: and the reaction from some other people on wall street was that goldman sachs got off easy by paying $550 million. >> well, goldman sachs paid only two investors in this -- in a very narrowly drawn complaint, and the