there is talk on both sides, congressman deluca meyer on the house financial services, who is and community banker, i think he is in favor of it, as well. they will face pressures about blanket guarantees. whether they go to that point or not is anyone's guess. they have done it before. it certainly would not be -- it would be nice if we could get through this bump in the road here without something like that. i suspect if push came to shove, the administration was put -- would push for blanket guarantees. that is a guess on my part. kriti: again, doesn't that have to catch up to you at some point, that unlimited deposit insurance? what catches up, who pays for it? it cannot be fully funded by the bank term funding program. where does the money come from? >> the deposit insurance fund is funded differently from the special emergency lending facility that the fed announced for banks. basically a special discount window facility. the fdic is supposed to be funded with deposit insurance premiums the banks pay, line of credit with the treasury. it could use the federal funding bank. it's intere