private lenders like cobank which is one of the lenders of choice for small companies decided that it could no longer lend money because it wasn't sure about the predictability of funding going forward. 80 members of congress have now written to the f be cc and -- fcc and said the way in which you have adopted reforms for greater return companies are creating problems with investment and deployment. to her credit, chairwoman clyburn took a couple of actions to offer some immediate relief that would provide some predictability for the next year or two. but this is an area that the fcc is going to have to revisit and revise if they're going to get -- >> well, if tom wheeler calls you tonight and says, walter, please tell me how do i fix this, what would you tell him? what's your advice to him? >> guest: yeah. my advice to him would be to focus in on broadband investment and look at the objective just as you are doing more nationally. the usf program is one that for rate of return carriers continues to be primarily based upon calculating subsidies that are based upon the provision of voi