warner of virginia. mark, do you have any opening comments you'd like to make? >> senator tester told me since i was late i had to reserve my comments. >> well, john runs the show around here, so we appreciate it. let me start with some questions. i'm going to leave the clock off. i'll invite my colleagues sings there are three or four of us here to have a more informal conversation. if i start a line of questioning and you have a thought along the same line, jump right in here, so we make this in a way more cohesive in that sense. so many places to start. let me start with this. since t.a.r.p.'s inception the program's scope, size and complexity have dramatically increased. i made note of this in my opening comments when i noted the 12 separate initiatives under t.a.r.p. today. some of these interact with the federal reserve, some with the fdic, some obviously with private investors as we discussed as well. i