dawfur's three principals that you outlined in your testimony mr.sperling, compensation plans and should properly measure and reward performance. compensation should be structured in line with the time horizon of risk. compensation practices should be aligned with sound risk management are all kind of general principles but then in the fourth and fifth-- you may not even be aware of this, the fourth and fifth principles, you shifted to a different phraseology. you say, we should reexamine whether golden parachutes in supplemental retirement packages align the interests of executives and shareholders and number five, we should promote transparency and accountability in setting compensation. my underlying question is, who is the we first of all, and the extent to which authority already exists either at the sec or the fed to do some of this under existing statutes, or whether there are specific things that this committee and congress must do to change the law to address these issues. >> thank you. perhaps in the fourth i did not use-- our words well b