a strong enough penalty in terms of the size of it. but to play devil's advocate, isn't jpmorgan settling in agreeing to pay anything, a win, especially since some of the money is going to help consumers? >> well, i don't think so. i mean, millions of people lost their jobs in the financial crisis. millions more people lost their homes. and what we want to do, if we're going to settle with these companies is make sure it doesn't happen again. and the best and swiftest deterrent is not only a big fine, but prosecution of the people who authorize and directed this conduct. and, of course, we're not seeing that at all. criminal charges are not cleared by this settlement, but, if you want to take a bet with me, on whether or not there are going to be criminal charges for executives out of this settlement, we can make that bet. the bottom line is that jpmorgan chase basically goes on their business and the homeowners who were really affected by this,