the regional banks across the country, like myself and the immediate past chairman of board is dennis hughes that is a labor member. so members are on the board to provide input on what is going on in the communities and the public and private sector and what is happening in the labor community. and that's the genius of what has made this a great economic power. we haven't had government trying to run things. we haven't had a central bank that was all knowing. but we have a central bank that took information from banking and industrial sector was the economy, and it served us pretty well for many years. and under the restructuring and the new initiatives going forward under dodd frank i think it will serve better. >> how does it benefit from dodd frank as it refers to the central bank? >> number one, they doesn't screw it up too badly. and two, there is a public function that is in place now and there will be more opportunities for banking institutions to interface on issues that directly affect consumers. so hopefully we can avoid the kind of problems we got into with sub-prime mortgages an