another big force that has changed business as usual is judge racoff.ut that. >> absolutely. he's been very aggressive in pushing back. he actually rejected several settlements that the s.e.c. had put forward into court with bank of america and other banks for other provisions a year and two years ago and said, no, these penalties aren't enough or i'm not going to let this bank deny any wrongdoing and sort of walk away. so the bank of america case that was just tried -- bank of america is actually appealing that case. there was a jury decision against that bank. they're appealing it to judge racoff. there's no way he's going to let that one go. i think that he has, as you said, he's helped amp up the justice department. they've gotten much more aggressive, even just in the past year, i would say. >> it's an important story in that interplay between him saying, hey, you can't just let wall street plead these agreements where they don't say they didn't anything wrong. they just write it off. and the doj listening. it's a better story than some of what we