when you think of ted leonsis also much of what he has done is personalizing those relationships. they talk all the time about a female and he emaileds you back. >> i foundnd out. >> i met ted and talked about. ththatat is why i believe eagaglebank is a successful. of the leadedership side -- not just me the whole organization. it has the passion making sure they stay in touch with customers. it is that part that i think it's wonderful. the federal government -- eaglebank is the largest community bank in the washington area. but we have a very small prisons and government contracting. we are expanding that but basically it is the business and community. >> we are taping this interview before we know the outcome of the fiscal cliffff. not knowing the end results of that how do you look at 2013? where do you see opportuniti for growth and where do you see storm clouds still overhead? >> thank you for not asking me to predict what will happen by year end. the big concern i and my colleagues have is uncertainty. not just the fiscal cliff but the entire federal government, the entire re