regulation is going to shrink kaytoo and some of -- jpmorgan and som of the other banks by forcing rectus businins of the banks. that is true. as a very good thing. i think that the fact of the matter is we have have -- we don't need a treat reconciliation committee. no one more than a fabulous vampire them a fabulous that has @%er been really prosecuted. the fact of the matter is. dennis: there was not true criminal activity going on. >> are the government has said the situation was so bad and tenuous. >> one other thing that is going on here. you have regulators, the office of the control, the currenc, fcc, played as fools during the financial crisis, did not see anything going on. dennis: now thecan be the ones in the system that no matter. what i worry about is that what we are rlly doing her is the will ossification of the american banking system we are making so that they are too afraid to take risk, not that they will lose money, but i will pay even more in 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 ou