gruenberg. to the question of the that we've been discussing. >> to the more general question, not the definition of credit worthy, i agree with governor dukes's remarks. we've spent an awful lot of time trying to walk through individual examples with our examiners. let's say we've been spending time not just now, but coming into the crisis, an awful lot of time, dealing with anticipating, and then working with our examiners to work through those. i can't emphasize however enough, individual circumstances really do matter. remember, we have a ton of banks failing now and, not number problem bank list of fdic is now over 700 banks. so you really do have to look hard at the individual circumstances to figure out which is places where there might be some undue stress in the examiner maybe takes an issue and others where the bankers are not realistically recognizing the problems they're confronting. >> i'm going to ask unanimous consent for one minute to ranking member. i had a conversation. mr. bow