douglas elliott, i'll start with you. before we get to particulars, what do you see when you put it all together, major change? >> it's absolutely a major change. as stated, it's the biggest set of changes since the great depression. and i'm quite happy, overall. in the real world, getting to maybe two-thirds of where we really should be-- which is what i think we did-- is a good thing. >> brown: nomi prins, same question, overview. what do you see? >> well, i agree it certainly is a large bill with a lot of context in it, but i don't think it fundamentally changes the nature of how wall street operates, the structure of the banking system or effectively can mitigate the type of immense risk that still exists in the system today, that is still part of the make up of how trading versus doing more plain vanilla business for customers with deposits and lending actually operate. >> brown: all right, well let's walk through a couple of these things. douglas elliott, would how this help avoid the instability in the system , avo