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Regulation of the fed so it chose to become a thift. the leverage built up outside of the fed because -- we messed up a lot of things in this country and we are living with the cost and will be aggressive with putting reforms in place. in all the major economies in the world, the banging system is dramatically larger as a share of the economy. banks are much more concentrated. far fewer banks dominate the entire industry. in those countries they did not do a good job con training risk taking by banks. we were not good enough at it, but the fed was better than supervisory peers, not good enough...

Reasonably tough -- i'll give you another example. we messed up a lot of things in this country and we are living with the cost and will be aggressive with putting reforms in place. but an example, in all the major economies in the world outside of the united states, the banks system is dramatically larger as a share of the economy. banks are much more concentrated. far fewer banks dominate the entire industry. that's because, in those countries, they did not do a good job of constraining risk-taking by banks. we were not good enough at it, but the fed was better than supervisory peers, not go...