economy. dot frank was passed and it includes provisions that have it delths banks too big to fail. this is the biggest kiss that's been given to new york banks i've ever seen. this is an enormous boon for t them. there have been 122 community small banks have closed since dodd frank. >> you want to repeal dodd frank? >> i would repeal and replace it. you have to have regulation. and there's some parts of dodd frank that make all the sense in the world. you need transparency, you need to have leverage limits for institutions -- >> here's a specific -- >> let me mention the other one -- >> no, let's not. let's let him respond to this specific on dodd frank and what the governor just said. >> i think this is a great example. the reason we have been in such a enormous economic crisis was