if they take too many risks and it pays off, they make a lot of money. if they take a risk and it doesn't pay off, they break even. >> how aggressive do you want to be to control that? >> we past a bill in august that says two things. first of all, all pay packages for the top executives have to go on the annual proxy vote so shareholders can vote. the experience in england where we are borrowing this from is when the shareholders vote no, they reduce salaries. second, we have given an instruction to all the federal regulators in this bill, and i hope the senate will pass it, that says you cannot allow any financial company to have a system whereby there is an incentive structure that gives them the incentive to take risks with other people's money. they have to have their own money to risk. if they get a bonus and it turns out that deal didn't work out, they have to give it back. >> what about -- >> there's one other point, ed. and that is let's not forget