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stuart: next case. sheila blair was chair of the fcic, what she is saying now about svp? lauren: they shouldn't have been bailed out, the government should not have guaranteed all the deposits, called that an overreaction. here that is. >> quite safe and stable, the banking system is very safe and the main thing we have to fear is fear itself, making people, incentivizing people to make irrational withdrawals when it is not necessary. lauren: she's against increasing deposit insurance, 250,000, that encourages risk. bankers can invest however they could, responsible for the money you have with them. are you are doing is making a rich bank richer because you're letting them be more risky. stuart: moral hazard, thanks very much. back to the markets. we are waiting for the fed's decision this afternoon. david, you are saying, new lows for the market are just around the corner, in the immediate future. why are you saying that? >> financial crises and recessions are two separate things, in 2,008 they happened at the same time and we are seeing that begin right now. i think it