The Importance of Small Banks in the Economy

There are really only three that include both a commercial bank and an investment bank. Even if you forced Bank of America, JP Morgan, the Citibank to break off their investment banking arms from their commercial banking arms, all three of those commercial banking arms would still be too big to fail. We decided to have big ones that we kind of make sure they're ring fenced and regulated and have to adhere to rules. And I don't know if that's better or not. Like is it better to have just a few big banks that you feel safe?