julia is the u.s. managing editor for the financial times. matt, before this firm was ever charnl charged, you wrote a remarkable piece on goldman sachs. these are your words. the most powerful investment bank is is a great vampire squid wrapped around the face of humanity, relentlessly jamming its blood funnel into anything that smells like money. what do you think of the settlement, matt? >> it's too small. it's the largest settlement in sec history, which is something, but let's be real. this is a tiny fraction, even, of what goldman posted for profits in the first quarter this year. so it's -- you know, it fits in with the general pattern of wall street companies being fined amounts significantly less than they made from the illegal activity, and they're also always allowed to get off without any admission of criminal wrongdoing and nobody