today, a at bbber t, we have to have the senate programs for our towers approved. i know that's hard to believe. because we might insult -- they have to be approved. so you have micromanagement of large financial institutions. what they're going to do -- i believe this is the intent -- consolidate the industry into 15 or 20 players and they can control it. they don't like all these messy community banks. they'll never say that but they don't like it. they want it very consolidated industry they can control. there's also the lehning standards are the worth in my 40 year career. why? they had this obsession we standardization. here's the problem with standardization. i grew up as a small business lender. it's totally a customized process. you have to judge people, are you going to pay me back or not? you can run numbers, but at the end of the day, a lot of the small business loans shouldn't be made based on the numbers. they're made based on this guy's got a great idea and somehow he is going to get it done you can't do that anymore. this is how these things have the