"The fundamental problem is that we established a group of government backstop banks but didn't treat them like they weregovernment backstop banks" "I would I would take apart a lot of these banks so you have more banks that are closer to communities and you allow for some risk management on the part of people that hold cash" 'You can also go the other direction and just say socialize it all which I don't think is a good idea or you can kind of like have a mix' he says.