significant financial crisis we had late 2008. but it doesn't address it. it misses the point. now there was a very strong bipartisan effort to move forward on this bill. i was very much involved in that. i went and negotiated for months with senator jack reid, from rhode island, on the issue of derivatives reform. bob caulker negotiated for months on the issue of negotiation resolution authority. a lot of efforts. unfortunately, it didn't come out that way. it came out in a way that really, in my opinion, does not get to the core issues. the core issues are how you make sure we don't have going forward a systemic threat to our system and how you keep the united states the best place to go to if you've got an idea and you want to go out and take a risk and create a job to get credit. both of those issues are not addressed in this bill. in fact, the ability to get credit is significantly undermined. i think sheldon's comments were really unnecessary.