how far about the culture of whether regular lating, being looked at, i mean, jim wallace has a new book out and he's calling for a dialogue literally on why do we have economics, management people like dr. demming used to say the purpose of business is to serve people and make money as a result. not to make money whether you're hurting people or helping people, so can you talk about the idea of getting at the culture of not just the regulators, but the culture of the organizations being regulated, and get them to look at maybe, it's literally anti-american, to make money by hurting people? >> i guess i would go two places. the first, which is kind of humerous, joseph stigletz was holding a panel last year and we were talking about the problem of values and he said rob, how do you get these speculators, like back on the track and i said well, they have to discould have me -- discover belief in the after life. they have to believe that somebody is going to measure them and there's something that matters and they can't escape detection or they can't buy their way in. i think the -- that's