loan products have done their damage, the the fed finalized its rulemaking, for the act which covers gustin 1994, mandating the federal reserve prohibit this lending. you mentioned they examination the federal reserve has taken of its supervisors. i really do appreciate that. i am not going to get deeply into the consumer finance protection agency, which we have talked about so much, and the dodd bill, but here is what i want to try and focus on. i have this notion there are some products so bad, so predatory that they should have never been on the market. it seems to me that slides in the face in what those of you in the industry think about, the ways you think about it. you feel that in a free market society businesses are able to come up with all kinds of ideas about how they want to provide products or services, and it is up to use to regulate them, not to prohibit them and say, you cannot do that. i do not understand why a regulator cannot take a look at a product and say, this is so bad, this is so predatory it should not be on the market, and we are not going to allow it to be on the