events russia is playing an ever greater role in the international community and that includes the aiello i think the relations between the ilo and russia are good and russia obviously feels the confidence in our organization and has the means to make this new contribution it's a relatively modest start but i hope it will grow into something bigger i'm very pleased with i'm well. i have seen the figures that the united states only needs ten million new jobs today to return to pre-crisis levels three million jobs are needed just to replace the loss and other seven million to observe the people coming in the new comers to leave them work and who's responsible for for creating these just to clarify those ten million jobs or in the period up to two thousand and sixteen that's a period of president obama's administration ten million jobs over those four so this is this is a headache. it's one of president obama's challenges and now you ask who is responsible i think it is often said that the people who create jobs in the world of the private sector not governments and it's true that ninety per

robin aiello? ryan -- there we are, robin aiello. >> hi. i'm robin with baltimore neighborhoods, and i want to know what would be done, are we even sure that, that borrowers will not be, will be able to get loans? in the future. and low interest loans, those that deserve low interest loans your. >> would any of the staff -- >> to the underserved borrowers. >> so, today's rule should both increased confidence in the mortgage markets so that lenders feel more ability to lend, and consumers can feel more ability to look for loans and go to the closing table without being setup to fail. in both of those respects, having a stronger market that has better consumer protections, really as mike said, on the panel, is good for lenders and for borrowers, and should be good for the market. in terms of how the market will evolve over time, we're just going to have to see. we don't control all those details. we cannot mandate that a lender landed to any particular consumer. we can just set up the right framework so that we think we can root out the kind