does anyone on this panel think that bruno exo, the whale, woke up each day trying to mitigate the risk from excess deposits between loans in bonds? >> that is a related area of inquiry at the occ. >> so you're inquiring, but you wouldn't argue that case? >> not necessarily. >> no, i wouldn't think anyone would, because he woke up each day as head of the strategic investment unit trying to make money for the bank, and so it's kind of a basic observation. small business across america and comptroller curry, i'll address this to you and try to ask you to keep your responses crisp so i can try to get through a series of questions, but across america, small businesses are trying to get access to credit, they are highly frustrated. the ability for them to access credit is essential to the recovery of our economy. does it do damage to have our banks diverting taxpayer deposits into hedge fund investments rather than making loans to families and small businesses? >> we at the occ, senator, are very supportive of small business lending by the entire spectrum of national banks that we supervise