What's our model, here? Should we all just go to Las Vegas and bet it all on black-22?

So, if I'm understanding you correctly, you're saying that the advantage to breaking up the big banks is, we end up with more banks that can fail, because we let them fail, but more banks, then, that can figure out their profitable models and go forward.

TARP was not designed merely to rescue large banks; the broader, long-term goals were aimed at strengthening the overall economy.

The problems are unmistakable. Uncertainty persists about the stability of our financial institutions.

TARP has also failed to check the culture of excessive risktaking that brought on this crisis.

We helped out Wall Street, and we left everyone else hanging.

We should expect to see essentially either a dollar-for-dollar improvement in their lending or with leverage from private investment, a better than dollar-for-dollar improvement in small business lending.

So then let me see if I can understand this the other way.

There is an increased incentive for them to sit on the sidelines and hope that more federal dollars are coming.

On regulatory reform, the very rules that will prevent this crisis from happening again, that process is just starting.

So they will be gone by the end of the year.