what worries me about that is not the size of it, which is really handleable, but the complexity of the institutions, and by the way, when we talk about the volcker rule, you can't do proprietary trading. we went into a week's long national discussion about whether this is a proprietary trade or not. what matters is, they didn't know they had that loss, they had to track it down. >> there is a fourth point to your piece, give the board scrutiny to booming businesses too. you're talking about booming businesses. >> if you think about the time of the board, the boards are not full time, in my experience, and i've been to lots of board meetings, they cop in and focus -- they have all the regulatory stuff they have to do, they have all the governance stuff they have to do, and then they spend their time focusing on the businesses that are in trouble it's human nature. what are we going to do to improve it. are we going to cut expenses, how many people are we going to fire? how are we going to get this back to profitability. and the banking industry, on the trading sides, on the institutiona