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$30 billion for housing, we will exempt them from all future liability. why is that a bad idea? >> it's a terrible idea because if there was legal wrong doing by the banks, and we think there was, then there should be a legal settlement. but it has to be bigger than what's currently on the table. >> how do you determine the scale? >> you need an investigation. you need to assess. the moment talking about robo signing, damage in the range of $25 billion. that's peanuts relative to the problem. if in return, you give a blanket waiver to the banks, that's a disaster. then attorney generals can't ...