probably agree with you on that. senator, let me turn to a slightly different part of the financial reform, and that is we heard this week as a result of a government investigation that we've had members of the s.e.c. has over 3,000 employees, this involved less than 1% of them, but that they were spending an inordinate amount of work time watching porn on their computers. we're talking about senior people making $100,000 up to $200,000 a year. let me put up on our screen some of the things that over time the financial crimes that were missed by government financial regulators. aig, enron, worldcom, bernie madoff, allen sanford. all of those things missed by regulators sort of across the board and yet we have in this new bill that you all are proposing new regulatory agencies. so where does your faith come from that two new regulatory