he did a magnificent job with a very difficult, mirky, confusing problem, so i complement the treasury department on their selection and i wish him great success and that he will be as successful as he was with the 9/11 compensation fund. my question really to treasury is how did you determine the seven companies that are going to have their compensation determined or guidelines by mr. feinberg? some people have said if there was 40% ownership by the taxpayer, was that the standard? what was the standard that determined who the seven companies were? >> in the regulation itself, actually mentions the specific names of the programs that they are under but i think your question more goes to what is the logic and rational. i think our feeling is that some of the things we have done, some of the facilities that were set up or set up to be generally accessible to companies, financial institutions at large and they are often set up because we think that there is a positive public purpose in them participating. we think, whether a community bank, if community banks wanted to not have more capi