immediately to her left is our director for the western hemisphere department, alejandro werner.to her right is the mission chief for the united states, nigel chalk, and immediately to nigel's right is aditya narain who has been intimately involved in the financial sector assessment. ms. lagarde: thank you very much. welcome to this briefing on the united states. by now i spoke you -- i suppose you will have seen our concluding statement and i will briefly summarize our findings and then take your questions. but first of all let me note that this year we have focused a lot of the findings on the financial sector assessment. we do a financial section assessment every five years and all -- in all countries. it's a comprehensive exercise and the overall report what have we call the fsoc will be published on the eighth of july. the concluding statement includes some of the key findings but all the details work, the underlying assumption, the policy recommendations in the full extent, to the full extent will be found in that paper which is due to be published on july 7. that i highly