also, should we really have to pass a law tlls tenkers, "you cannot give a loan to someone who cannot?" i mean, do we need to pass a law to do that? so people were doing such manifestly obviously unsustainable things because they always thought, what i call ibg or ybg, i will be gone or you will gone. i will do this mortgage, because i will be gone. i will package this into 1000 bonds, i will sell it to somebody, and i will be gone. they pawn it off to another investment bank in france and they will be gone. you cannot pay for your house? now that the money is actually due, no problem. just sell it, because we know that house prices only go up. then you will be gone. so we are all practicing ibg and ybg values basically. it was an epidemic of that. warren: the people that got big institutions into huge trouble, which sent not ripples but tsunamis around the world, they went away with a lot of money. that should not have happened. we need a greater balance of incentives. you need a person, if they are running a bank or some other large institution, so important that the government need