independent om budman that's funded by facebook but maybe in some kind of escrow account, unfiring hubieal change om budsman sort of funded thing, that doesn't always work in the long run. it's not a natural part of the mechanism. it's sort of this weird outlying thing that doesn't always have the right sort of authority to sort of enact change i think julia is right i think the issue is the fdc needs to go big and the fine big or small however you want to see it the bigger issue is the structural issue you can keep fining them as they go forward if they go in violation from the agreement way back when but it's how they operate is the big deal. >> what about putting regulators inside the company in the banking world, in the banking world, after the financial crisis, even before the financial crisis, there are people from the s.e.c. and elsewhere that literally live inside the bank. >> and then at a certain period that, does that continue on, it goes away. that's the point. >> no, but this is the question. >> if there is the idea that there should be a data regulator the way that there's