you, but say in the end, after they are done with j pmorgan and hundreds of millions of dollars lookeddedr this and god knows what other infractions, and where did that money go? who does that rest constitute? >> probably to fund the government ridiculous party. unfortunately, it ends up in a black hole. i don't know that any of us know, i'm sure in that huge book that's 50,000 pages thick, it says where the money's supposed to go, but lord only knows if it gets there, and because taxes are continuing to go up, it ain't going to reduce the tax load. neil: so five years after the meltdown, right, a couple weeks from that, and i i think to myself, granted, you know, why now? is it because of the five-year anniversary is upon us and they want to look like they have done something? to me, it's more than coincidental this happened and all this drum beating on all the big brokerage guys is happening at the same time. >> well, again, great question. it would be one thing if the government were talking about real reform. if they wanted to go in, sit down with the banks, and come up with this solu