i know steve harris was here earl goer, gary ginsler just left, professor gulchman is here, all of whom played very central roles in the formulation of the sarbanes-oxley certainly, and certainly in its implementation as well. so it's a pleasure for me to be here. you made reference to former fdic chairman sheila bair who i think was an outstanding leader of the fdci. sheila told me two things before she left, one, being chairman of the fdic is a very tough job, and i can now vouch for that. the second thing, and so she was right on that point. the second thing she told me was, "everything will be okay," before she left. that she wasn't quite as right. [ laughter ] >> she didn't tell you about europe? >> and some other things as well, but if nothing else, it's been an interesting and challenging experience. and i think the role of the fdic during the course of this financial crisis really has been a very important one, and i think if i may say, i think history will look back upon the performance of the fdic over these past three or four years and i think the performance will hold up pre