well, some of them may have seen the dan tarullo speech that nicholas just mentioned.he was originally talking about a sifi surcharge 1% at the low end, 7% at the high end. seven plus seven, we'd get up somewhere close to the 14. but as announced over the weekend, at the high end it looks like you're going to have 2.5%. so you didn't get anywhere near that. what about the other tools for discouraging too big to fail? um, there are a number of them. orderly resolution -- liquidation regimes at the national level like the one in dodd-frank, i'm a big supporter of that. but the problem is, again, as has been mentioned many times we haven't gotten very far on cross-border resolution, and if you look at these institutions, they all have a huge number of majority-owned subsidiaries. citigroup had 2400 of them. so you're not there. now, you could, you know, envision some kind of charter that would deal with that problem, and as i think i mentioned earlier in a question from the floor, cummings has a sort of prototype regime that could do that, but i think nobody thinks that's