26 years. many of the same team. timothy geithner, he has been in government for many, many years. ben bernanke. alan greenspan before him. henry paulson. all of these people who are now involved in talking about how to make sure this doesn't happen again didn't see it coming. and, in fact, we're all part of the system that pushed home ownership, weaker lending standards -- >> lower interest rates. >> -- lower interest rates, weaker lending standards and deregulation of wall street. remember, congress decided to lower system barriers on wall street. >> they were in place ten years ago. >> right. >> they were taken away. >> so are we going to get it right now? you're right it's very important to get it right now. the bank of montreal said something interesting this week, ali. he said that you've got congress acting on health care reform 17% of our xhi, and on a reordering of the financial regulation, necessary, but would touch every single thing that you do. your job, your home, your credit card, your auto loan, but if you