dodd/frank was passed. tomorrow he's going to go run the bureau again. what changes from yesterday to tomorrow in the fact that he is now officially confirmed to head this position? >> well, today, tomorrow, what we know for sure is now this agency is here to stay. no more clouds over what it is legally entitled to do, no more attacks that say maybe we're going to be able to undercut it in this way or weaken it in that way. we have a full-fledged watchdog. the one we fought for. he's going to be there to fight for us. i love it. >> well, i don't blame you for loving it. it is an amazing thing to see something -- >> it is. >> i remember reading, you wrote a piece in a very, very small policy journal called "democracy" which still exists and turns out great stuff. i remember reading that piece that proposed this idea. you basically said you have this great metaphor, look, if a toaster, if one in ten toasters blows up in a home, we take that off the market, have a consumer