but who should be upset about it and who i think will be upset about it as they figure out how this thing works are small banks and medium sized banks because it's going to be much more difficult to lend and the bureaucracy is going to be more difficult for those small banks. >> senator whitehouse, is it as horrible as senator gregg suggests? >> no, it's the most significant reform of the financial system since the great depression. it creates fire walls so that banks are no longer infesting in highly speculative matters with other peoples, regular folks, money. it sep ramts the investment side from the regular banking side. it requires derivatives to go through a transparent market before they can be sold, and put some transparency and a spotlight on all of that. >> let me ask the question this way, if it's so good, you describe it as great, then why can't the leadership find -- right now you've got one or two republican votes. why aren't 6 or 8 or 10 or 12 or