. >> i'm jeff kosnett. i'm a columnist and senior editor at kiplinger washington editors. i took classes from dr. meltzer in 1978. >> i'm sure he remembers you. >> my question is this. you were describing the banks and their recent efforts which i guess are probably just starting to raise their dividends, buy back stock. in other words, do they want to go back to the days of when bank stocks paid dividend yields twice the s&p 500 and banks were largely run for their shareholders? i mean, it's one thing to say that this is appalling. it's not thing to say where is this going and why? thank you. >> let me just say, your interview is being incompetent here. we need to keep on a strict schedule. please keep your answer brief. it will have to be the -- >> i'm sorry. what did you say? >> i would stop it. that is i would reverse -- if we're going to bail out the banks, then congress should vote to lend them the money. which they haven't. >> why do you think the banks want to go ahead and do this, then, if it's contrary to good public policy? >> because they -- it's not contrary t