top tranche of those issuenses. so if you don t get those lies by s&p you don t get the crisis. and, you re right. holder, attorney general holder, has continued, attorney general casey under bush s policy, that you can defraud the united states of america with impunity if you are politically powerful and make large political contributions. bill fleckenstein, that alone, what mr. black described, is a good reason to shake confidence when their evidence you can defraud the u.s. government with impunity using the banking system and banking fraud, and will not be prosecuted. you have told me many times at the root of this entire issue, bill, bill fleckenstein is accounting fraud. what do you mean when you say that and how do the ratings agency decision for all this lead us to this conversation today?