corder. >> thank you mr. chairman. mr. barofsky of pleasure to have you here. when as a kid growing up i remember personals -- commercials and the avis commercial, we try harder because we are never two. all of a sudden number one seems to be in the financial market a guarantee by the federal government. whoever is number two, good luck to them because you can try as hard as you want as long as you are too big to fail. you always be number one. my question on i will follow up with the chairman hare, with community banks if we see what happens where you have seven banks taking 80% of the market seems to me there is an incentive only for community banks to merge with or be acquired by the too big to fail banks. is that what we are setting up a precedent with a t.a.r.p. package? >> again there is some limits. there potentially could be some limits in dodd-frank and regulators that could help to prevent the largest banks from gobbling up all of the smaller community banks over a certain cap, but certainly consolidation and continued consolidation certainly could oc