trouble. people take too many risks so. we tried this in 2007 and in august of this year, just before the congressional break, we passed a bill that had two aspects, one say on pay which we just referred to. say on pay says the shareholders should vote on what the top executives get. the problem is it's now set by the board of directors. the board of directors and the top executives are friends, they work together. the notion of one day a year they say, okay, you'll be labor and i'll be management, that just doesn't work. >> they're just too cozy? >> they should avoid setting the pay. and i hope the senate will adopt say on pay which says, and we tried to do this in 2006 and 2007. we finally have a president who's supportive, i hope we can make it more. some of these companies are paying far too much in total at the expense of the shareholders. secondly, we are instructed in this bill, all of the regulators or any financial institution,