told our people that everything is going to happen from coming down to washington to questioning volcer. we heard other bankers, it causes a lot of commotion inside the company, soul searching, but my attitude is we made our mistakes, fixed them. let's put our jersey on and fix them. however, it does affect it, but it shouldn't distract us from the mission of serving clients. we have 82 chase offices. and we'll do all the things we have to do to serve the clients right. i don't want this detracting from what all the 262,000 people do every day. >> right. and i can't let you leave without this question. the fundamental question going forward is the whole issue of too big to fail. how do you feel about that? especially since you are the biggest of the biggest. >> our goal is not to be the biggest, it's to be the best. everyone agrees we have to get rid of that in any incarnation. >> you said get rid of too big to fail. >> we have to eliminate too big to fail, allowing the bank to fail in a way that doesn't damage the american economy and the taxpayer never pays. >> thank you. two more min