mr. chilton: certainly not.s -- there are five different financial regulars in the government, and none of them have the funds they need. my old agency did derivatives -- regulated derivatives -- totally behind by hundreds of millions of dollars. at any one time they were 750 and-- at between 1000 violations of the law. these are investigations, and they have 200 people. it is crazy. stephanie: you have to hire regulators who understand derivatives. what are you going to pay a regulator who understand sophisticated products like that, where they can go work at a bank and make 10 to 20 times what a government could pay them? mr. chilton: it is a quintessential problem in government, and not just regulators -- i use the statistic that the folks on capitol hill, they make the policy, the average time is two years because they flip and become a lobbyist or consultant. it is a revolving door, and you need to reward people that are in government. i know that is not a popular thing to say. things to say,d good oversigh