michael lewit writes "the death of capital." the mega panel is also still here. our analysis is so acute of all of this, what's the unfinished work, when you look at the u.s., banking and wall street situation, i know that when you look at what dodd/frank did and didn't accomplish, you've got a lot of unfinished business you would say has to be addressed. let folks know. >> well, i think the most important thing that's been overlooked is that the overall policy regime has still not been corrected to limit the amount of capital that's devoted to speculative activities, and trying to channel the capital to productive activities. there's derivatives reform, there's, you know, capital requirements for banks and so on. but at the end of the day, nothing has been done to revamp the way capital is used in this economy productively. as a result, we have an economy where too much money is in the form of debt and not equity, and where toomp of the money goes to speculative activities that the banks are engaging in and that the taxpayers are paying for. >> and david goodfrie