country are family people, families out there that are trying to hang on to their homes and so on and i was thinking as i heard that first segment about an old song from bob and the texas playboys, the little guy picks the cotton, the big guy gets the money. isn't that the case of what's going on in this country with respect to finance. >> isn't that the reason why we pay taxes and elect politicians to protect us from any industry that would seek to live up to the lyrics of the song you just shared with us. >> absolutely. but you know what happened, during the bush administration, by the way, they brought in regulators and had regulators come in that didn't like government. they said it's a new place here. you're business friendly. don't worry, we won't look.