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Not captains of the universe and genuses, they destabilized and compromised the economy. one s natural common sense said she shouldn t be rewarded with $17 million bonuses for having done that. right. it s wrong. it s wrong. but there is a lack of modesty there, a lack of modesty as to ambition and a sense of what one is entitled to. they should be ashamed of themselves. one of the issues the fact when you talk about higher fees, these higher fees being placed on the banks, they are only going to pass that on to the consumer. that s what they are going to do. they are just going to raise fees in terms of all of the sefolos services that the banks provide. the ultimate goal of creating jobs not going to happen. we don t have competition? let s bring in elizabeth here. they will all raise fees. elizabeth, if we pass higher fees onto the banks, do they pass it on to us? they do so long as they stay ....