and there we had hank pauls i don't know come right to the forefront and say we're going to go in this direction. and shortly after that said, no, we're going to go 180 degrees in this direction. what is wall street going to do when the hero of washington is coming out saying we're not sure washington is going. >> neal, you weren't there when hank paulsen was treasury secretary but you've been there since geithner happens -- if a bank were to fail like lehman brothers today? >> no -- back in '08, '09, congress passed legislation that closed loopholes, makes it clear that banks need to be better buffered for risk and better protected from the rest of the economy so we don't all suffer when a financial institution fails. every day as dodd-frank proceeds clearer and clearer what our new financial structure looks like and our system is much safer, much stronger, much more resiment and being capable of being buffered from stress. you know, on the one hand critics of this say it's very uncertain, we don't know what the rules are, we should, you know, we need to put the rules in so that peopl