is esther george right?re the smaller banks getting crushed by regs that the big banks are just coasting through? >> absolutely david. i don't know if the big banks are coasting through but there is much more damage to small banks. this is what a lot of people don't understand, even though a regulations may be targeted at a large institution, ceo of a large institution has many people to delegate the work to. what i started at bb&t we were a small bank and regulations become a priority because they can put you in jail and your talent is limited at top of the organization. instead of focusing making loans and creating business and making economy better you spend all your time making government regulators happy. is has done, dodd-frank has done tremendous damage to the community banking industry. david: on january 1st, we have a new congress. we have the same president who approved of all the new regulations but the new congress doesn't but what can they do to change things? >> there is a lot of stuff they can

george willis put up his this morning the test it went just fine all the lights seemed to work. and after doing the same set up for decades is he worried about nor esther? well let's just say he's throwing caution to the wind. >> really in there enough it seems like protected enough it doesn't seem to bother us. yet to be seen i guess. >> reporter: well he's clearly want to make sure the big items are strapped to the ground pretty welch the smaller ones best advice obviously especial physical you're along the coast here take them in for the night. guys, back to you. >> all right, brad it makes you feel any better it's chilly here in the studio. (laughter). >> it doesn't make him feel better, iain. >> you can track the nor'easter online at our website myfoxphilly.com. just click the weather tab at the top of the home page for live radar images and the latest forecast information. >> happening right now, the investigation into a deadly plane crash. mobile phone video captured the scene moments after it slammed into a house in gaithersburg, maryland. authorities now say three people inside that home died. along with three people on the plane. authorities