i will mention a few of the principles the secretary geithner linda out, a couple of examples and then i look forward to the discussion. one, compensation should accurately measure and reward performance and i think this is an important issue. it is a lot easier to get everybody to agree that performance page should be performance related but it is a lot more complex to find out what is the right mix of metrics that ensures that it is true performance? simply using stock as they say can confuse brains for a bull market and on the other hand not properly reward an executive who may be doing enormously well in a difficult economic time. negative one of the things we should study carefully is the mix of metrics that rewards performance in fact and not just the name. second, compensation should be structured in line with time horizons. the right time horizons. a friend of mine said recently it is like there is an entire industry, in tire sets of financial actors which are able to realize private gains in a single and you're for risks they are creating over a 30 year period which could be e