bart naylor of public citizens thinks the senate should do that and a lot more, but lenwood brooks fromreful what you wish for, because new fees for banks may just get passed on to the cheers. gentleman, welcome. why do you think, mr. brooks, that those fees will get passed on to the customers? because history tells us that's the case? >> yeah. if you look at what we did during dodd/frank, during the liquidation process, the big banks are already effectively taxed. so the answer to this problem is not a new tax and it will eventually get passed on to the consumer. but big banks should worry. a vote in the senate does show that there is moment. >> bart, you're in the camp that says we should break up the big banks, that there is a thing, too big to fail. but what's too big? where's the watermark? at what point is that bank too big to fail? and who should decide that? >> it's a good question and does need to be studied. banks have been closed up $250 billion in assets. we roughly have five banks that are more than $500 billion in assets. it's the big five. and clearly they need to be brok