sheila bahr, who was in charge of shoring up our nation's banks as the head of federal deposit insuranceration i think was a good regulation. she wrote this week that if banks are too big to fail, the banks that are too big to fail are broken up, customers would benefit. the government would benefit. the banks themselves would benefit. do you think this is a part of the solution, that our banks are not just too big to fail, they're just too big? >> absolutely. i think she's exactly right. and she has been a really effective regulator. i mean listen, adam is right. the financial system will find a way around regulation. at the same time, one of the major things that helped this crisis spin out of control was deregulation over the last 15, 20 years of the banking system, and particularly on some key fundamental principles that i think we have to reenact and that is, again, breaking up the banks and separating systems of consumer commercial banking, investment and insurance. bringing back, you know -- >> why is that important? why is that important? so when i go to a bank and deposit my mon