banking industry. a lot don't apply to smaller institutions, credit unions and small banks on our main streets and where as citibanker jp morgan can hire 40 or 50 lawyers to deal with the new regulation, the smaller banks in many instances can't. if you listen to the small banks as i do because they're terribly important to our communities, hey, therest a lot of stuff that just doesn't make any sense. now, this bill when you say chip away, this bill did, in fact, lighten some of the regulation on those small community banks. i understand. i've been watching this for a long time. it's very important for the democratic party and others to say every time that's a prosed change to the dodd-frank, wall street roll back. >> it did lift the asset threshold and so doesn't that make more banks too big to fail? >> well, no. what you're referring to, ali n alisyn, was something i was pretty ambivalent about.