what is that stick or the caret? if investments go down, do the agencies take some sort of action? michael: i anticipate that under the revised rule or the final rule, that investments will go up around the country. we will be monitoring that. the rule takes a special account of those investment. they are given a kind of higher impact factor, say you are doing a low market credit deal, that has a higher impact. we will hear from community groups, is this the type of investment or transaction that should be given higher weight because it is harder to do? i think we will see investment rising. we will certainly be monitoring all aspects of the rule after it is implemented. we have two years from the announcement of the rule to implementation. we will be taking the two years, the rule starts january 1, 2026, to work with civil rights groups, banks, examiners all together to make sure implementation is strong going forward. victoria: there has been some criticism from the rule about -- from the rule. there was a report a while back about how you look at bank performance in relation to