dennis kellehedennis kelleher ms from the cato institute, the libertarian think attention.nnis kelleher let me start with you. what does this allow the banks to do that they can't do now? >> basically, what the banks do within their federally insured subsidiaries, which are backed not just by the governments, taxpayers they, conducted derivatives in that protected organization. and what this law did is it said look, if you want to gamble in the highest risk type ofç derivative, you have to push them out of the banking-backed subsidiaries and put them in a different subsidiary. you can gamble all you want but you're going to gamble with your own money and get downside if you get the upside. you're not going to be able to stick the taxpayers with the bill. in the budget bill, it wasç a provision in an otherwise pretty good budget deal is said no, the banks don't have to do that anymore. this provision benefits about five banks, the biggest banks on wall street. four of those banks do 93% of all the driffatives trading in the united states. so this wasn't a bank-friendly pro

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