regulation is going to shrink kaytoo and some of -- jpmorgan and some of the other banks by forcing rectus busessut of the banks. that is true. as a very good thing. i think that the fact of the tter is we have have -- we don't need a treat reconciliation committee. no one more than a fabulous vampire them a fulous that has @%er been really prosecuted. the fact of the matters. dennis: there was not true criminal activity going on. >> are the government has said theituation was so bad and tenuous. >> one other thing that is going on here. you have regulators,he office of the control, the currency, fcc, played as fools during the financial crisis, did not see anything going on. dennis: now they can b the ones in the system that no matter. what i worry about is that what we a really doing here is the will ossication of the american banking system we are making so that they are too afraid to take risk, not that they will lose money, but it will pay even momore i fines. i am taking the last word on that. thank you for being with us. appreciated. now we want to know what you guys think. here is our que