that is a fundamental plob. you have a system where very few people pay attention to the capital of banks. the levels are much higher in developing countries. look at switzerland. it has the greatest interest in preserving its banking system. they propose raising before anyone el, raising capitals to 16%. and probably will go higher in order to establish the absolute credentialn't of their banks in the world. and that's one of the key issues. banking should be a boring business. it should not be a high-flying business where you trade and take risks. it's a boring business. similar to a utility. they're supplying payments, checking, loans to small businesses. this is not an exciting business. it's not a highly profitable business, but it's a fundamental business to the economy and the job for the government is to make sure that banks are not in danger. and that's why you make it a boring business. >> thank you. senator johnson? >> this was fascinating testimony. i'm new here, so let me quick ask a question on the

that is a fundamental plob. you have a system where very few people pay attention to the capital of banks. the levels are much higher in developing countries. look at switzerland. it has the greatest interest in preserving its banking system. they propose raising before anyone el, raising capitals to 16%. and probably will go higher in order to establish the absolute credentialn't of their banks in the world. and that's one of the key issues. banking should be a boring business. it should not be a high-flying business where you trade and take risks. it's a boring business. similar to a utility. they're supplying payments, checking, loans to small businesses. this is not an exciting business. it

she points to former plob problem spots. >> over here, wood was getting bumped up like this into different places. and here, also it was happening the same thing. the gap from the wall to the wood getting bigger and bigger. >> the blue tape seen in this photo from baila marked where bumps developed and another photo shows a gap between the wall and the flooring. >> it was a quarter inch here. >> the material ripped out from her home stacked in the corner of a-z carpet flooring. >> and this is garbage. >> the owner explained what happened. >> the material is just doesn't hold them together. >> and he tells us that the individual boards are supposed to lock together but that is a lock failed to work. he blames a manufacturer. >> the manufacture sent an inspector to inspect the flooring. they did and they say material is not wrong. flooring is wrong. >> we contacted expo floors. the reports the inspector wrote the floor felt uneven and should have been leveled prior to installation. >> it's not her floor. the floor was fine. >> a-z carpet refused to reintail stall until they replaced what is