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If you have an aig situation, a large bank, large financial institution that's not a bank, it gives us a mechanism through which we could unwind that. you'll have a lot of derivatives will be traded over the -- i'm sorry, in clearinghouses or exchanges so you won't end up again with an aig sitting there with hundreds of billions of dollars of commitments that it can't make good on. those are the three most important points in this bill. >> what did it miss? >> it really did not fundamentally change the way wall street does business. you'll hear them whining about it. they always whine. but the...