this has been a recurring theme, we have been very bipartisan in our criticism for both the ballston treasury department as well as the geiger treasury department. explain this better to the american people and being more upfront and honest about these programs whether it was saying that the first nine institutions were healthy and viable when they knew that someone not to some of the more recent statements, the cheerleading statement about the program. i think having a more transparent program -- and it is not too late. i would encourage treasury to renew its transparency. if people understand and they feel every one is being up front, you can be -- it can be a more informed conversation. right now, the treasury running of this program has been picking winners and losers or backroom deals. those criticisms really cannot of these transparency discussions. >> i am fully committed to transparency and most of the particular questions that have been done we have implemented. people are not usually aware of this. we publish annual financial statements which are audited and we receive opinions on t