Tell me what you mean, you are not sure.

So do you think you contributed, your actions contributed to the financial downturn that we experienced in 2008?

But you were in the industry for, what, you said 18 years? I think that is what you said.

So they are disclosed? The off balance sheet is disclosed?

I think that there is a lot of concern with the general public--and I know I am speaking for Arkansas here--that people around the country feel like Wall Street has contributed, in fact, has largely caused--I am not talking about one…

Put your money where your mouth is. You put your money somewhere. Shouldn't they know that?

OK. I am not sure everyone agrees with you on that, but I will take your answer.

But when it comes to doing something like selling CDOs, do you see any conflict there, or do you just see that as a function of the market?

I guess really the question for Goldman Sachs is, are there times in which you recognize a conflict?

There is a company that is based in Little Rock named Stevens, Incorporated.

In the past 25 years, America has seen an increasing number and severity of financial crises.

I mean, lawyers have to follow certain ethical standards. A doctor has to follow certain ethical standards.