very sleepy is that you very rarely here the recourse rule. they relate to the rules of the game for the banks and one of those rules was, hey, guys, if you buy these aaa rated mortgage backed securities, don't worry about your capital cushion. if i'm a bank, i want to leave it up as much as possible to make a ton of loans. that's the rule. i guess all this can max out on that. >> right. >> that was arguably a proximate cause. if you want save stuff, go with the treasury. the banks are profit bad, profit hungry people unlike the noble public option. >> it is the taming that the problem? >> the constant effort to regulate and ensure in a way that's going to create and make