when the crisis dpan, we were left with adequate rules. this law and council creates a careful balance. it is designed to affect independent agencies and to introdu introduce. we are going to try hard to make sure these schools ahead of us will make sure it is done carefully and quickly. we want to make sure as we come to new rules, we take the opportunity to utilize i am looking for my order of protocol there is a clear commitment of capital deteching dpaps in the system. we all have our interest and skills. this will allow us to pool what else is happening in the system. this will be an incentive to the future. jo i will thank you for your property standing up of the financial authority of the idea of the council. they really listened to all of us and we appreciate the effort of you and your staff. we coordinate together in the administration i'm pleased to be attending this first meeting. >> thank you for your leadership. i think it really is important to ensure the protection of the american public. 2008, the financial system failed. w