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>> i think they do. you still have not solved the problem. if you have a crisis and all of a sudden you have counterparty risk, which is that if you -- >> paul: creditors of a big institution. >> it ripples through the system. the test here is there a back stop and one of the things in the bill is it creates a fund. >> the $50 billion -- this is just like deposit insurance where you tax the banks, they pay a fee and that's money so it won't have to go taxpayer. >> what you want in a new system is something that raises the doss creditors for not doing their homework and finding out what it is t...

>> i think they do. you still have not solved the problem. if you have a crisis and all of a sudden you have counterparty risk, which is that if you -- >> paul: creditors of a big institution. >> it ripples through the system. the test here is there a back stop and one of the things in the bill is it creates a fund. >> the $50 billion -- this is just like deposit insurance where you tax the banks, they pay a fee and that's money so it won't have to go taxpayer. >> what you want in a new system is something that raises the doss creditors for not doing their homework and finding out what it is t...