mr. blankfein: like new york?as just york this $13.2 trillion of consumer debt, and yet, that is the field you are trying to expand, consumer debt, personal finance, that sort of area. does that make sense at this stage of the cycle? : i don't know how long this cycle will last and we intend to be good risk managers in this business. riske going to acclimate and how we land on our protocols and our profile to what we feel the market is, but let me just say, just as a predicate, you know, the predicate in your aretion is in a way, we going into the consumer business, but not so much that we are chasing the consumer .usiness really, what has happened is as a result of movements in technology, the opportunity in the consumer space has moved to us. if you are lending to 500 people, the kind of decision-making you make in consumer lending -- it's like jimmy stewart in "it's a wonderful life." you look into someone's soul, their credit, you are a good person. i will let you this much money, -- lend you this much money,