Good morning. Good afternoon. Good evening, wherever you are. And welcome to the politics guys with your host, Jay Carson and Michael Baranowski.

Welcome to the politics guys. I'm Michael Barronowski, a political scientist at Northern Kentucky University.

My co-host this week, as always, is Cleveland Area Attorney and sometime Republican strategist Jay Carson.

Here's our asked-the-political guys' question for this week, Jay.

All right, fire away.

All right.

It's from Kate in Chicago.

The question is, what's up with banks in the U.S.?

After financial system reform, are they still too big to fail?

And if they are, does that mean if they were going bankrupt, taxpayer dollars would bail them out again?

So, what do you think, are banks still too big to fail in this country?

I think the question, the answer is probably it depends. It depends. Okay. And it depends on the bank.

It depends upon the mood of the public. It depends on how much damage the failure of that bank would do.

And there's different kinds of banks and there's different kinds of failures.

So I think that's why it's sort of a complex question.

I would say I wish that banks weren't too big to fail.

But my sense is there are many that still are.

In fact,

you've kind of gone down this road.

But go ahead.

I was going to say your sense of that is shared by both the Federal Reserve and the FDIC.

That's the Federal Deposit Insurance Corporation.

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