you could be in a deann brown novel. we recognized as nation it was important to keep monetary policy separate from fiscal policy and monetary policy independent. that's the long explanation of support for your position. you are as you said, audited in every area in a very open and aggressive way. and we have the access to those audits. everyone does except on the issue of monetary policy. that's the way it should be. i want to get into the too big to fail issue. i haven't figured out how to ard this yet. there's a proposal out of the house banking committee that said healthy, well capitalized, institutions with no risk to them will be stoubt the potential breakup. that will be determined by an independent group of politically pointed people, or maybe even members of congress for all i know, arbitrarily. i mean, that, to me, is a european model of governance that is very threatening. their biggest, not necessarily bad, in my instances, it makes for a competitive advantage. if these institutions are solvent and structured