salaries and also some salaries for consultants and professional services, that buzz word again, soefly do not want to forget to mention that. so just a little bit about ci banking. ng t i will frequently tell folks who are interested in municipal banking is that it's really a spec rum rather than a binary. it's not an on-off switch. there are many different ways that you can organize a municipal bank, and there are lots of different products and ices tt you can offer? and this little slide highlights that. what this is showing is that depending on what you want to accomplish, there are lots of different ways you can accomplish that, from something very minimal like just a city program or revolving loan fund all the way to a full scale retail bank. and so obviously because this is a municipal bank feasibility task force, we're going to be looking at five and ix is, which is a wholesale bank or retail bank. so a little bit more about how we're conceding of the task force. in general it's called the municipal bank feasibility task force, and i have feasibility with a quark here because we