It was the 'too big to fail' problem, that they knew that it was a question of heads I win, tails the taxpayer loses and if that is the bet, you take the bet and you take it on a bigger and bigger and a bigger scale. So they knew pretty well that if they got the gamble wrong governments couldn't allow them to fail, they'd have to be bailed out. That is what is wrong and that is what has to be stopped.