there is so much space between the events that you com pressed it and we see how perilous things were. the book is on the brink. what would have happened, do you think, if we hadn't done the tarp money, the bailout? what's your speculation on that? >> if we had not stepped in, the government hadn't stepped in to prevent a collapse and the system had collapsed, we would have been in a situation where industrial companies all over america, main street companies, small, middle size and big companies would have had funding cut off. they wouldn't have had bank funding to pay their bills to sustain their basic business operations. that would mean they wouldn't have been able to pay suppliers, pay employees, employees wouldn't have been able to pay their bills. this would have rippled through the economy. >> catastrophic? >> catastrophic.