there was real concern that we were going to have massive bank failures and there's the famous hank pahlsson moment where he's talking to his wife on the phone saying i'm worried people are not going to be able to buy food and we're going to have a real disaster on our hands. the banks are going to fail. so one thing they could do, but they don't have the mechanism to do it now. they would need some greater, you know, political union and banking authority, regulatory union to put in place, cross continental increased deposit insurance so you don't have the situation in which somebody takes their money out of a spanish bank to put it in a german bank. you need to have everybody assured their deposits are not going to disappear. then you need -- you have all these, you know, different levels of sovereign indebtedness and places like spain going above 6% on the fear that even though they don't have much of a debt crisis as greece, that eventually they will be unable to meet the burden of their existing debt. if you have an agreement across europe to put all of that sovereign debt into one pool