jelena: absolutely not.in our banking sector. these banks present different types of risks than the global systemically important banks. they present a different type of risk than midsized banks. the job is to accommodate that risk. the job is to manage that risk. when the bank fails he get into a situation we have been in the past few weeks. as much blame as we can put on the banks and the bank risk management, i think there is a portion of blame that goes on the u.s. government. tom: i just looked at the bank assessment rates at the fdic and my eyes glazed over. it is complex. how to -- how much just jp morgan or bank of america pay each year for fdic insurance? jelena: there is a number. it is a lot of money. there just go different sets of formulas. there is a complex bank formula. tom: i don't mean to interrupt, but i am. senator warren would say raised rate on jamie dimon and brian moynihan. is there wiggle room for the big guys to pay more insurance to take the load off the back of andrew jackson's 40