>> it's 30% of all deposits in america. america is far less concentrated in europe, asia, canada, australia, france, u.k., italy, way less concentrated. i wish -- i believe that when we start talking about resolution authority, that we should, the governments, the regulation should be able to take down a jpmorgan in a way that doesn't damage citizens of the world. i think the banks should pay for that. like the fdic, when banks fail, the fdic takes them over and liquidates them and the rest of the banks pay for that. we are going to pay $5 billion for the failure of other banks. instead of calling it resolution, we should have called it minimally damaging bankruptcy for big dumb banks. take them down, wipe them out, full bankruptcy, unsecured creditors pay. that's what they are trying to get to, it's a little complex. it can be done. that's what the fdic did with big banks for many years. now we've become global.