we will never know, i do know it set up a series of expectations, if your back is up gains wall, uneuncleill bail you out. as you point out 5 year ago, it also emboldens risky behavior, it has not gone away has it? with all deals we made, and dodd-frank, we're still too big to fail in place, we're not letting a bank of america fail, we reward, banks, and institutions and individuals sorrssorry doing stupid things. >> we are worse than we were before. the government entities like fannie mae and freddie mac who helped encourage people to buy homes they could not afford, they were not part, they were exempted. but with dodd-frank, and it hurt our local community banks that had nothing to do with the mess, they gave out lones to small businesses, they have a hard time giving loan to people who can pay, because they are not deemed too big to fail. and those who created this mess are too big to fail. neil: you would never go out on a limb now in uncle sam did not have your back. >> all right. when we come back, you know there are few people, crazy, who think i'm a tad overweight. i don't know w