nonsufficient, not insufficient, nonsufficient, $105, thank you very much. simply because they hasn't been able to use my money for five days. we do know they may think we're stupid and we may indeed be stupid, but we do know they clear the checks electronically overnight. it doesn't take five days. it is not put on a mule and sent down to the federal reserve to be cleared. >> i will say this about banks, that you can still go into a bank and buy a roll of quarters. and they haven't figured out how to charge for that yet. >> i wish you hasn't said that yet! >> that's not necessarily true. a lot of banks refuse to. >> they do? i've never had a problem. >> wait a minute, on the other side, have you brought a roll of quarters to them and where they said you need to roll these before you give them to me? >> let's talk about the fact that many of the things that we complain about are things that should be illegal, or certainly abusive that the banks do. but are really unable to get our unresponsive political system -- >> inresponsive to the banks -- >> don't you