a percentage of assets against gdp, the four and five biggest banks in the united states are bigger now than they were prefinancial crisis. so if they were too big to fail before, then it's 100%% guaranteed they are too bigger to fail now because they are bigger. and we have only gotten larger and the concentration we talk about the 1% a lot in terms of individual wealth. the concentration of assets and capital at the top of the banking spectrum is now more concentrated at the very top than it was a few years ago. of course, regulators would like to do something about that although the dodd-frank bill, lukas you probably know is what, 2300 pages and counting. the volcker rule which is not even in place yet is a couple hundred pages and counting. i mean, who knows what's going to be in there because the lobbying is pretty hard on the banking side, as well. >> there has been a move to weaken it as each house and senate vote goes on and on. one question i want to ask you,