right now the way people are getting this information? >> chris, as you know, the chairman of goldman sachs, the chairman of citicorp have both endorsed this financial services reform bill. so i don't think main street america and community bankers believe that this is really anything but big government and big wall street masquerading reform saying it's going to turn the economy around. i hope i'm wrong on that, chris. i i really do. i hope this reform bill turns credit around. i have my doubts. you and i both know at the end of the day, it gets bogged down and before you know it, big government and big business have cut themselves a deal that they can live with and that the prosperity doesn't trickle down to main street. that's what we want to do. >> you know, i normally agree with you, i don't like deal whereas business is happy. i wonder whether wall street isn't in the same situation that bp is in. bp agreed to a $20 billion