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I think splitting the banks up is the only thing that really makes sense right now the wake of the crisis has created bigger more powerful institutions than we had going in so this idea of too big to fail has become actually created um and embedded as well by the government last year when the crisis was happening it was the Federal Reserve was in the position to for example deny mergers to deny Banks becoming even bigger than they were when they were flirting with failure and instead what the FED did was prop them up by by guaranteeing um a lot of the potential losses that could come from new mergers so for example merged with maril Lynch to become the biggest most complex institution in the country um as well as one that holds a tremendous amount of consumer deposits uh well Fargo and movia also merged to become a much larger institution with a lot of credit problems um of its own JP Morgan Chase was given with a lot of government backing the be Sterns company an investment bank which

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