for more analysis on the fed and those bank stress test results, we're happy to have with us randall kroszner. he's a former fed governor, and now a professor of economics at the university of chicago booth school of business. let me begin about those bank stress tests. for the average american who has been living through this whole financial crisis, can they now say we tonl have to worry about the banks any more, this financial crisis for the banking system is over? >> well, certainly given my years on the fed, i never say never about anything. but i think this is a very positive sign that the banks have really built up their capital, they now have stronger capital levels than when they went into the crisis in 2006. in many cases. and they are able to undertake stresses that are even greater than what we saw. so i think this is a good sign. but there's still could be some prox lurking out there. >> susie: you know, some bank regulators have been calling for even tougher regulations on the banks. do you think banks need to do more to be even safer? >> i think it's very important to really imp