and i cannot get cleareven from all the exchanges we've had, whether we are talking only about lbi, the broker dealer or we are talking about the holding company. i thought that the fed had opened the discount window to the holding companies before lehman failed and in that case, lehman, at least the holding company was eligible for discount window access. is that your understanding or am i wrong about that? >> that's not correct. i'll try to explain it and i pe not to sound too much like a lawyer. the discount window is used to refer to lending programs and the federal reserve probably. the normal federal reserve lending program is the one under section 10 b. of the federal reserve act to depository institutions. when we got into the credit crisis, and we got into 2008, we started to think of using a statutory power that had not been used since the great depression. i'm talking about section 13, subdivision three of the federal reserve act, which enables the fed to plan to an individual partnership, not a bank. in the first usage of that section 13, three, power reserved on march 11, 2