my second question would be, jamie dimon said every seven years we seem to have a recession, a bit. much longer would it take for the federal government to do something to try to control the hedonistic behavior on wall street so that we don't suffer this anymore? i'm calling from pennsylvania, and my property tax, i am just purely talking property-tax, is wh thousand dollars -- is $12,000. guest: that is a big number. we have been mostly focusing on federal income tax and not talking about things like property taxes and local taxes, which, for most people, add up to a big chunk of the family budget. i wish i could tell you when the federal government would get a handle on excesses' on wall street, but i really cannot. i am not sure anyone has the answer for you. there are hearings going on right now with elizabeth warren and consumer protection, but that is that tackling the broader problem, i wish i could tell you there is a specific timetable for curbing the excesses, but i'm not sure there is. host: shannon, republican. caller: real quickly, the gentleman who talked about the fla