the u.s. government. for example, there is a bank in detroit called co-merica. they have something called 107% risk weighted to normal assets. what that means is they're paying -- they're raising capital on 107% of their assets which is more, of course, than they have, than 100%. credit suisse, which is another bank which operates in the united states, has only 20% risk-weighted assets to assets. the difference is comerica has to raise capital because it lends to businesses. credit suisse doesn't lend to businesses so it doesn't need to raise all this capital. the net result overall is if you look at loans to small businesses from 2008 to the present, they're down. they're down and everything else in banking is up. large businesses, how are they affected? .essentially we're dealing with a huge global financial system. there's $26 trillion in