DISCUSSION-20 PTS, So much has been going on in the world of banks since the financial crisis. We now live in an era of megabanks all the banks are really relatively giant compared to before the financial crisis. How is the modern era banking different then the way it existed prior to the financial crisis? Everybody used to talk about too big to fail. Have these giant banks become too big to succeed? Are they even manageable when you're running trillions of dollars in deposits? Are these banks too big to manage, too big to jail, too big to succeed