neil: i am saying melissa frances rich. >> i am randy zellon rich. when you have done is you set the bar. you set market, somebody smarter than i said, it is no different when you pay robby cano $24 million a year, that is new gold standard. bad news for banks you paid $2 million on madoff, if you get into trouble again or similar, you are not going to payless, you go to pay more. good news, you get to to live it fight another day, nobody goes to jail. neil: that might be case with this 5 year proviso they could delay any further punishment if they just do what the government says. still talking $20 billion collectively a single firm paid to u uncle sam. yet the stock is doing well. it makes me think that critics of the bank say there is more money to be had there. >> there is no question. ask any celebrity. worse day of your life, when you no longer get recognized at a restaurant, you hate it on the way up. neil: i hate when i walk into mcdonald's and no one knows me, you are right. >> the 59 to be made, and -- point to be made, and take away, if yo