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If you have an aig situation, a large bank, large financial institution thats not a bank, it gives us a mechanism through which we could unwind that. youll have a lot of derivatives will be traded over the -- im sorry, in clearinghouses or exchanges so you wont end up again with an aig sitting there with hundreds of billions of dollars of commitments that it cant make good on. those are the three most important points in this bill. >> what did it miss? >> it really did not fundamentally change t...