g el a chance to level the d finay, a third comment i would make echos at you just said. i have siict about manye of th provisns of the -intoned, recently passeds act as theyoth -- these provisions reduce transparency and really roll back important, in my opinion, investor protections. i would suggest that act may need some refinement. and the question for our initial invitation which dr. sherman addressed in the pricing allocation, based on my years of watching ipos, i would suggest that needs to be completely in the hands of professionals who have a fiduciary obligation for those whose money they are overseeing, the management of the company selling stock, and the investment bankers who have the best aggravate gated information about the market and interest in a particular security. i do not think it is appropriate for retail to be able to set the price in ipos. in summary, i think general the process works very well for both companies and for informed, and i would underline informed, investors. i would recommend one that we add a request for a signed, straightforward a