neil dutta and kim schoenholtz with us. here is a newly minted tome. paint dry, except it is so damn intelligent you have to read it. it is readable. , kim, isentence for me you try to bring as of today on all of the stuff we don't want to read about. nearly seven years of additional perspective. rise like you are a lot smarter about dodd-frank -- guys like you are a lot smarter about dodd-frank than your seven years ago. >> i hope so. we have learned a lot. dodd-frank in many ways was a law that required regulators to create new rules, and they have created several hundred new rules. we have would a lot about the process. there is a way to sum it up. dodd-frank is a very inefficient in some ways, but the choice act, which is the proposed replacement for dodd-frank, would actually make the system less safe. so if i had to choose, even if i don't like the inefficiency, i prefer safety. tom: francine lacqua just spoke with jamie dimon. i was a justine knows to the penny what is additional -- i would suggest you knows to the penny what the cost is. it has