we'll continue to follow that cafully. it is a very high priority for us. >> i raised this top nick your last appearance with other regulators before our committee and i would again tell you that bankers continue to suggest that the ability to make loans is significantly hampered by the regulatory environment. and in most instances the suggestion at least is that those regulations are not keeping them from making bad loans, keeping them from making good loans. and so, again, i would encourage the fed to pursue what you outline as your current course of action in a more significant or strenuous way. ofn your policy is criticized on qe-2 and doing so the comparisens made to japan. and i would like to note your thoughts about the correlation between what occurred in the japanese economy and its central bank's response and your and our economy and then you indicated earlier that long term our deficit aren' sustainable and you had some conversation with my colleagues here on the committee about not extending the debt ceiling, f