Government. tell me about the consumer financial protection bureau. >> so, you remember the basic problem because you were also there when this came to light but the basic problem was people getting cheated on their mortgages, on their credit cards, on a lot of their consumer borrowing, and there were seven different federal agencies, all of whom are the little piece that's supposed to enforce the law, and when seven different folks are supposed to do it, nobody was doing it. so the idea was when the crash came, don't just pass a couple of laws to say don't do that horrible thing and don't do ...