chicago, people like dwight jaffe from the university of california-berkeley, people like gary gorton at ual university. we've been talking to a range of experts. joe stig la, sometimon johnson, john taylor throughout our inquiry because what we want to do is look at clearly the big picture. what are the big forces that brought our financial system to its knees, as we also undertake a hard target investigation into the practices that unhinged our markets. >> okay so you've spoken with a lot of people already, then, right, phil? i mean, you last joined us after the formation of the committee back in mid-july of last year. in this last six months, what kind of conclusions have you begun to draw? >> well, you know this is a full inquiry. it's an investigation, so we want to make sure we're proper here, but look, we're learning every day, and by the way maria, we have a team of 50 investigators and researchers who are going hard at this every day. and we are literally conducting hundreds of interviews. but, for example, we held our first public hearing in january, and we'll hold a whole host of