. >> senator, i completely agree and we're bringing a broader, prague matec spirit and exercise and trying to focus things central to the crisis, not things that were not. on things that were necessary to do, not just those -- not those that would be desirable to achieve over time. we may not all agree on the adjustments we're making, but that's the framework. >> you're making the commitment not to have collateral damage, right? >> that is an obligation that we all share and we're careful to try to avoid that, but senator, we did have really systematic failures across the regulatory framework of the united states and we are going to have to change a lot of things to address those failures. >> thank you. thank you, mr. chairman. >> thanks, senator nelson and senator tester. >> so many questions, so little time. secretary geithner, in your budget there's a financial stabilization reform of $250 million. in front of banking last week herb allison will oversee the t.a.r.p., hopefully, he talked about -- he called it head room. i interpret it as being reserve of $100 billion. can you tell me wh