of eagle bank. also still ahead in the midst of the local debt crises affecting cities and states across the country a suburb in georgia has adopted a different model of government no long term debt no pension obligations either well look at the privatization of their city hall but first your closing market numbers. well. it's technology innovation all the latest developments around russia we've got the future covered. thank you. all right welcome back so we're talking about small banks community banks what the advantages are putting your money in them but how they're being so hurt by regulations that the too big to fail banks can handle but then they get to go speculate and do all the bad stuff we want to avoid so regulations we know they always come at a cost but what cost will this graph shows the increased spending on technology alone to keep up with regulations and you don't have to be einstein to know that because community banks are smaller that cost is going to take a proportionally bigger c