ge capitalrestructured. the institutions that had no deposits and got no payments for the feds are the ones that really found this system that we put in place that they had to get out of the financial business all together to get out of the designation. i think the banking system is a lot different than it was. so when you look at return on assets -- i'll stop there. >> thank you. it is a tremendously important point to remember that stable deposits mean government. guaranteed mean taxpayer risks. i want to give the panel a chance before we get to your questions to either react or something to something somebody else aid or just expand on the points that you want to emphasize. two or three minutes each. we'll just go down the panel in the same order, chris. >> thank you, alex. >> i think of listening to the presentations this morning. the solution that comes from washington every time there is a market problem is to reduce the market. going back to 1998 when the fcc changed the rules for nonbanks to sell and