, roby strongm voices. we want to find the difference between the top of the bell curve and regulations verses no regulations. you have the wild west and the key is to find that top of the bell curve sweet spot where his balance. the image of the financial-services sector has taken a drubbing in public opinion. is it a matter of time and continuing business that will reset the opinion polls in the -- from the american public? do you see yourself acting in some way as an aggregate that could help refrain public opinion. =."don't just = >> guest: you don't just get trust, you have to earn it. the way that they will continue to rebuild the reputation is to earn it and you do that by following the rules and doing things that are viewed as valuable and helpful and trustworthy. so many of our members do that. there is still lot of bad publicity around things that happened five or six years ago. our goal and our members sincerely want to do this is to reestablish the reputation of the industry by hurting it and th