The U.S. didn\'t save enough; we borrowed a lot. There were structural imbalances in Asia with exporters, with oil exporters for a whole variety of things.

There are two issues that people sometimes confuse, but they\'re very closely related. There is the strength and the stability of the American financial system. And it\'s very important that that system remain stable and remain strong and lending is very important to consumers. Secondly, the economy. And what has gone on in financial system is impacting the economy. And as the economy is turning down, it is very important that lending continue to be available and be available to consumers. So what we\'re doing with this facility is to support - is to support consumer lending.

There\'s a lot of things we could do better.

There are some things that you can work on immediately.