all know what happened when de-regulation was the order of the day during the clinton era, when robert rubin and larry summers were running things, and we got into this de-regulation mess, and of course president obama brought some of them back into his administration. i raised this to give a perspective on it, but how concerned are you that we're going to go back to this whole de-regulation system? >> very concerned, i went back to one of the members of the trump administration, and he was all about repealing the dodd-frank, and it was at a dinner and somebody had to ask him didn't we have a crisis in 2008? wasn't that a financial crisis caused by de-regulation? and they just ignored that. and the reality is what we did in 2010 with the dodd-frank was not enough. what we really need to dies butt -- do is button down, but what they're threatening to do is let it rip again almost a guarantee for another crisis sometime down the line. but that is not what they're focusing on. they're focusing on the money they will stuff in their pocket, knowing that in the end they walk off with the money in