And regulations that were counter to each other, a lot of barchings were declared failures and congress did this. it is on a puddle of regulations and they made the banks conglomerate and they are too big and they are dominated by the four banks. you can't have them controlling 54 percent of the banking assets and not call that a mopopy. let me finish. competition makes a free market. >> don't anybody make wayne mad. it is not good. >> wayne, you are out in chicago and yelling at me like he does johnathon. thanks to all of you for the great discussion. coming up. wait for this. this land is yo...