Wall street hates it like the devil hates holy water and the statute is specific. it's clear and it says that the deputy shall take over. >> senator graham, finally, who do you think is in charge of the consumer protection agency? >> i think the president's own good ground here to appoint somebody under the vacancy statute. in terms of the agency, it's the most out of control, unaccountable federal agency in washington. really no oversight at all. they can get into everybody's business. i don't think they added a much at all to the consumer protection. they added a a lot to increasing pp costs...