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To people on wall street and this will reduce that risk taken by investment banks and thats quite helpful i think. people dont really pay much attention to regulation. its boring. they want to see scalps nailed to the wall, they want to see prosecutions. i think prosecution is a very effective tool for dealing with wrong doers. but i dont think it really changes the culture of wall street very much. regulation really will. i think its quite a sophisticate achievement. >> emily, what other things...