joining us now robert albertson, chief strategist at sandler o'neill. hi, robert. >> hi,. >> susie:y. >> susie: i don't know if you saw the cover of the economist this week, but i says, wall street one year on, what's changed. how would you answer that question? >> well, it's changed quite a lot. a lot of the logical reforms are already falling in place, such as compensation headed more towards long-term in shares. leverage is down a lot. i don't care what anyone says. there are adjuncts to wall street that are in the been addressed by are still problematic, that would include the rating agencies and the mortgage originators, both of which need to be brought under the regulatory tent. but in the end, wall street isn't broken, it sure is dangerously diminished. and we have to remember wall street is a critical component of credit creation, much bigger be the banking system, in fact. >> susie: as you know, president obama, congress, the public, they don't want to go through another one of these financial crises and they want to do something to prevent tha