but chairman lbewitz. i read the mou. but explain to us your interpretation of what part of ftc's jurisdiction is transferred to cfpb, how y'all are working together, and i also want to know that since because of that, the fact that you all are working together and some of your jurisdiction was transferred, then it seems to me that you wouldn't nid as many resources as you have requested. >> so that's a very fair question. and i think that's part of commissioner rush's concern as well about the creation of the cfpb. we have a memorandum of understanding, as you mentioned. we the that because we don't -- we want to make sure that we're efficient. as we know from the complaints we get and from the cases we brought. it's a target rich environment. and so we, so from my perspective, as long as we're not double teaming companies and we're letting each other know which investigations we're doing. that's probably a good thing, a good thing for consumers. we've also set up six working groups with with the cfbc, and we meet with t