to sweep in a lot of smaller institutions into that definition that are nonbanks , it isce companies progress. >> why are about half of its rules still not implemented. >> 14,000 pages, the proposed and final rules, with the average bank-30 five employees, how do you read 14,000 pages? have an opportunity with major investments in staff to get through all that merck. it smaller institutions -- smaller institutions, not so. we harvest our economy and to and those things that saved us from reckless lending. be a new threat lurking on the horizon, some -- subprime auto lending. they're being sold to banks as securities. you see similarities between the housing crisis and what is going on with used car loan seattle -- car loans? >> i don't know what they would look like internally. but if people are making loans to people with no job, no assets, and no income, the likelihood of default is very high. as aose are rated low result of a lot of fragile borrowers, then that makes sense. i think that would get people like you and me, the investing public, the assurance it was a good estimate. l