dr. vulkar, thank you for being here. enjoyed talking to you prior to. enjoyed reading your testimony yesterday evening as it came in. i think we all agree we need a safe banking system and we want one that also meets the needs of 21st century economy and that's the balance, i think, that we're all looking for. so i want it thank new particular in your testimony for pointing to the fact that congress still hasn't dealt with the gses. i know as a man wh was under extreme stress during early '80s and made a lot of tough decisions that caused you to be highly honored by people across this country, he must look at amazement on a u.s. congress that fails to deal with an evident, huge problem in our country. but has lacked the courage it deal with that. so i appreciate you pointing that out. and you know, i was thinking as we read a lot of materials getting ready for the hearing and i appreciate all of the witnesses that have come, you know, the most dangerous thing that a bank does is make a loan. and at the enof the day, without sound underwriting, all of th