things that pile of the debt to the stupid taxpayers that are offered financial advice we have david yasmin. where is this money going? >> as you describe the situation will we have complained a lot about overtime, like the federal regulatory agencies are bounty hunters they get money to track down the elected wrongdoer's so you have to wonder why is it like firms like j.p. morgan and settle the cases? it can spend as much as it once now it is even more money but i understand the reason for penalties. they lost billions of dollars the people hurt or at jpmorgan so what is the purpose of a penalty? neil: that makes it too much sense. >> but he is at the heart of the message that what is wrong with everything that somehow everybody should be protected from the government for anything that goes wrong even if they don't lose the of money as a big corporation. but sometimes things will go wrong somebody will screw up and lose money idled think those bureaucrats are the ones will figure out how to do a better than the geniuses that a big investment bank. neil: we have cover this for a long time i