they weren't making any money off the program. they were losing money. it isn't like something they were doing that was hugely profitable or anything of the sort. but in terms of the people that are there, in terms of the outside public, it takes time to restore trust. >> wells fargo's new account openings have plunged. the stock price has fallen to a 2 1/2 year low. the sec is investigating, the department of justice, some states attorneys general. do you have faith in wells fargo, the institution? >> oh, sure. sure. we do loads of business with wells fargo. they have billions of dollars. i don't know anything about it, but if i had to guess as to whether the deposits would be up a year from now, i would guess they would be up. >> culture is so important to you. >> it's huge. >> it's at the core of why you buy businesses, the culture of the business from the top down.