nirtsdz, i want to make it clear here. bhile we have concerns about the stress tests, we think there are ways to strengthen them, and we embrace the stress test. we think the stress test was a good move by treasury and the fed, and it has brought us important information. in depeed, as i push for more transparency, because that's the second biggest -- more transparency, treasury should release more details of their methodology and results and publicly track the results of the macro-essential val quagsewation. that's just an important part of doing this. we want the analysts so run these tests independently. we had trouble when we first started the congressional oversight panel back in november and in december that we had a treasury department that was not forthcoming with information. that has commade. the treasury department has been forthcoming. they have given us far more information. i don't just mean to the congressional oversight panel. they have made sprable information under the stress tests on -- an unprecedented