i actually get different signals when i talk to erika de souza -- when i talk to c.e.o.s and we talk to different clients at the larger banks. many of them recognize there seems to be a clear recognition that something is needed here. that means institutions need oversight. we have open matters we are looking into. large banks, smaller banks, and non-banks. >> you mentioned your supervision program. you have already been looking at the records of some of the larger banks. what did you learn so far? what did you find that might be different than the other bank speculateors have been finding? have you already dispatched regulators for those firms? >> we have. we have examiners on the ground at banks and non-banks as we speak, even though our non-bank program was hampered by not having a director and therefore got underway. both are underway at this point. i think what is interesting about our role in examining and sprfering these -- supervising these different financial institutions is two things. one is that we can address both banks and non-banks. if you have markets where before onl