accountable for their customers do through the facility of their bank account. ponzi scheme is a liar with bank account. that's all it is. the traditional ponzi scheme you know it as well as i. exploits people's greed. you know, 50% of the month -- i can make you rich overnight. and -- so when a ponzi scheme blows up, tendency is to say -- blame the victim. >> 50%. >> how could they not know? >> madoff, madoff scheme, if you will, exploits not people's greed but their fears. their fear of volatility and their fear of complexity. their fear of all of these crazy markets. >> certainty of a 10% return. >> there were many years during this fraud when you could have made more monday in the magellan fund. >> he gave people confidence. what's your theory about why when you look at enormous scope of what happened in our capital markets over the past couple of years? virtually nobody else has been prosecuted.