tebo, self regulation is a failure. third, too big to fail is not too big to fail. fourth, [unintelligible] 5, we have got engaged in peter on steroids. sixth, this should never be based on a straight lines. things do not go on -- in straight lines. either that when i was very young in investment banking -- i learned that when i was very young investment banking. anytime someone tells you there's a straight line in a business model, it is broken and that is how we were investing. housing was always going to increase at twice the rate of inflation, right? that is what got us into trouble. seven, short -- and taxpayers are at the short end of the stick. eighth, risk is real. the single best book i've read about this stuff, "the short history of financial euphoria." and he explains it in detail. no occam has ever been created to get rid -- no alchemy havohas ever been created to get rid of risk. how have we de-leverage? the government takes all of the risk. now the taxpayers of all this money. it should not have been done that way. 10, the only way to get corporate gov