er erin burnett with more. people lost their careers, a lot went wrong. people lost their dreams. citi wasn't the only one doing it. now they're getting a penalty, no jail time. what gives? >> you know what's amazing, no one has gone to jail during the financial crisis and i knew you were thinking about this. anglo miscellaneous i willo ran countrywide financial. the guy who created the subprime mortgage, one could argue at the heart and center of this, knew what he was doing. he paid i believe $67 million in fines, no jail time. so no, no one has gone to jail in all of this. but citigroup will pay $7 billion. they get to write it off so only a hit to their earnings, don. but they will be paying that to -- >> must be nice. >> yeah, to low-income housing, reduced interest rates on mortgages and in some cases, to reduce principle that people will pay on mortgages. >> okay. but remember when all these guys were bailed out? they were supposed to pay us back, right? weren't we supposed to see