but what we've found in our discussions was that cdfi's play an important role in local communities. they communicate with all housing stakeholders in a way that's just so unique and helpful and it produces results, especially in underserved and low to moderate income areas. and we wanted them to have the same benefits that other members have because other members are able to commit collateral, especially if they have, i think the limit is their small community institution. they can pledge collateral, but the cdfi's are not able to pledge the same type of collateral so we want today make sure that there was parity because we're talking about small institutions and small members and we want to make sure that there's parity throughout the membership. so, one of our regulatory asks is to make sure that cdfi's have the same benefits as other small institutions like community banks so they can continue to build and provide affordable housing in their communities. >> thank you. and we know for decades, the fhl banks set aside was 30% of their net revenue and 10% for the affordable housing