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what we can do is what we are doing, is to make sure we are encouraging them to go as far as woey can to protect the rest of us from a longrk and damaging -- and their specific areas where we can help them financially in ways that are very much and in our just which is with the federal reserve is doing with theirs swap lands.li if her prospects for growth here in the united states. wor a lot of challenges ahead. theyld are making progress but they have a lot moren more to. >> senator shelby.ey ey >> thank you mr. chairman. mr. secretary you reference libor and we all have.h. tell us why libor and the setting of libor we all have. tell us w rates of loans are involved and billions of dollars involved in that. >> as i said, libor is set in ten currencies, not just the dollar or the pound sterling. 15 different maturities. it has implications around the world in part because there are a variety of financial contracts, mortgages is one example in the united states, but around the world that reference that rate. so it is important for that reason but it is also important of course because

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