and hopefully mister lester will get a chance. >> i don't so much object. regulation is clearly one of the normal tools in our toolkit here in washington. alongside taxation. >> is it regulation or the efficiency of the ability to regulate? >> we all live in washington. i'm not a fan of our efficiency in the regulatory system . to be brief about it, we've already acknowledged that it would have to -- >> indeed. >> no disrespect to anyone from the south. >> it would cost us quite a bit and take far too long. >> 's time has expired. mister kelly, you are recognized. >> back you for being here. mister rosensweig, i have a coach in high school that had the same name. maybe the rest of the panel can do that. first of all, thank you for being here but miss berryhill, when we look at the size of the scope of the program and the number of beneficiaries, is there anybody in the private sector that even comes close to facing these type of problems as far as making sure we are sendingthe right money for the right people and the fact that there's so much fraud in the s