this i the technology is here and i hope the sec, whoever does it or the fed can do it, if we had a cbtntral bank currency, you can digitize the cash part of the transaction and digitize the stock and again eliminate the intermediary and this two-day lag that would be a very, very dramatic change. one i think we need to seriously start thinking about. >> i wonder if you think it's time to take a closer look at volatility and specifically that corner of the market that is volatility trading because we were talking about market makers. that's the other piece of this story we saw last week, the fact that it got destroyed on volitive it's not the first time we saw something played out when volatility is concerned. we seen other examples in other parts of the markets over the last couple of years if we were to look at that and see regulators have an increased scrutiny, how would that play out, if it would >> i think increasing margin requirements, it hasn't been re-visited since 1974, which sets the initial marketing requirements, rapid transactions, rehighpot indication mentioned earlier, t