joining thank you barry and great to have you great to be on so you are supporting the rand paul mark bill for credit unions a list the cap is currently at twelve point two five percent they want to lift that to twenty seven point five percent of total assets he has give us the overview of the bill his for his against a of are you for it well one of the things that you mentioned rand paul republican of kentucky and mark udall democrat of colorado in the senate it's also one of the only bill i would imagine maybe one of the only bills ever to have. a republican of california and is fellow california senator maxine waters are on it but everyone is seeing the credit as you said credit unions did and small businesses didn't contribute to the crisis yet since one thousand nine hundred ninety eight they have had this cap on business lending at the behest of the bankers lobby which the banks don't have and which credit union station no other restrictions for mortgages or auto loans which are...