the height of all of this and it's at the height of the fake account openings. granted, you were in a different part of the bank and you did not have direct control over the people running this part of the bank, but for folks that are asking, why are you, an insider who has been there since 1987 the right guy to lead the bank in the next chapter. what do you say to them? >> it wasn't my decision. the board decided i wasn't the right person for the job. >> you accepted it. i did. i did because i had the confidence that i could make change in the company. why did i have that confidence? because i've been making change for my 29 1/2 year career at wells fargo. i made change when i became the president and chief operating officer about a year before. when you look at the changes that we've made since i became ceo you can see fundamental activities at wells fargo being done differently. >> the fact that this was happening as the board report found actually longer than, you know, five or six years. they found issues of this coming up as far back as 2002.