dr. volcker said, if they are too big to fail, maybe they are too big to exist. you have to think about the taxpayer. thank you mr. chairman. >> senator menendez. in the worst financial crisis in generations, consumers were not protected from the tricks and traps and federal regulators were often more concerned about the interests of wall street than main street. and we now have an obligation to hold both wall street and non-wall street lenders and providers of financial services accountable for whether they treat consumers fairly and it can be done by laying down clear rules of the road and so that is why i look forward to your work at the agency. let me ask you a couple of specific questions. i want to ask you about prepaid cards, something that i have been pursuing for a while now. a product whose use has exploded in the past few years especially under banked consumers, since credit cards and gift cards and other cars have been regulated, prepaid cards have been one of the few largely unregulated products in the marketplace and as for the fees consumers pay on