nelson peltz from trian joins us by phone thanks for calling in.to solve this problem which, i don't know, financials are up today, but first republic is still making new lows what do you think needs to happen >> well, let me tell you, sara, i don't claim to be a banking expert, but i think there are common sense solutions here, which i'm sure some regulators will find out why they don't work, but simplestically, all the money as we know is leaving all the small community banks and regional banks and going to the three or four largest banks in america that's a very dangerous situation, and it's got to be resolved what i would do is this, i would put together a plan that applies only to the u.s. banks and that the fed gets an insurance premium for any money you leave in a u.s. accredited bank over $250,000, so you're creating income now for the fed, and in exchange for that, they guarantee the overage. they limit certain banks to how much deposits they can take. for example, if the cd rate is 3%, whatever it may be, you're paying a traction of that