f.c.c. to institute a fairly simple. system of fines and i think under dodd frank they already have the power to do so but i haven't seen any movement from their quarter to do that one of the issues one of the problems with trying to make the ratings better through issuing from having fines or having a system of penalties is that people like richard just say well we should just get rid of ratings altogether because they're obviously conflicted and stupid let's get rid of them but you know what that just plays in that plays into the lives of the radiative sees in a sense because we don't get stronger and then you say let's get to relate the ranges themselves because you have these voices saying let's get rid of richard go ahead jump in jump in well that's mischaracterizing my position a little because i didn't say let's get rid of ratings of course we need ratings i said let's get you know let's not tinker with this system that's so broken in terms of its incentives let's take these these organizations let them compete in