dr. meltzer is pointing out the huge massive buildup in the banking system here. are we really getting golden object is? if you could address those two things. i think as dr. lachman has pointed out and what is going to be the effects of this reserves that have been built up? dr. meltzer, go ahead. >> i like the brothers keeper. the brothers don't necessarily want to keeper. i'm probably not going to want that. i've had the experience of the secretary of the treasury going over to europe and telling them they need to do fiscal expansion. they laugh at them. that is they take care of your problems. don't try to tell us how to take hours. when the united states had much better policies, it could give advice. it's a very poor position to give advice these days for fiscal monetary policy. i would like to make a slightly different short point. i am concerned about the problem that congress has been performing its oversight duties. the only way i believe you could perform oversight duties effectively is to have a role that required the federal reserve and if they don't f