. >> let me turn the conversation back to mr. walin and get you to react to what arthur just said. the very same shareholders whom you say are paying and bearing responsibility were shareholders that made a lot of money at country wide and merrill lynch over the years through the practices being sanctioned today, and secondly, some of those very same shareholders in those banking companies benefitted from taxpayer bailouts, didn't they? >> well, they did, but let's also remember that these large public companies bought these crippled financial institutions, you know, in the case of country wide, the firm would have failed if bank of america hadn't bought it. bear sterns bought by jp morgan. >> bank of america moved to buy country wide before the crisis was in full flower. >> yeah, but they were the warehouse lender. country wide had nowhere else to go. the firm would have failed if it wasn't acquired. >> all right. we'd like to get arthur back in. to what extent have these actions by the government you think changed behaviobehavior, something like this were to happen again, whether