SANTELLI: Regs. You know, bail, no fail. How does this fit into this? Since we've never allowed anybody to fail—oh, we can't allow failure—what we've done is, we've caused what's bailed-out zombies to be regulated, overregulated. Are investment bankers doing much hiring these days? Are banks doing much hiring? No. But what's worse is, it really keeps the competition from taking their place. You think these small, little banks can compete with rooms full of regulators? Even though as "60 Minutes" pointed out, that didn't do a world of good when they were camping out in '05 and '06. The credit crisis arrived nonetheless.