mr. chairman. following up on this little bit, miss cantley. there is a survey described in your written testimony, significant drop in commercial account takeovers between 2009-2010. what do you attribute this reduction? >> the answer may surprise you. you see the most recent survey, customer education was the most specific driver. >> any idea about current corporate account takeovers? >> it is specific to corporate account takeover. >> mr. -- information sharing groups that you have, it seems there might be too many of these groups, each slightly different so that we might have a lot of information flowing back and forth. potentially the correct information may never get to the right place. is it possible -- should we be streamlining information sharing as we seek to improve this flow of information? >> i think the answer is probably on two levels. in terms of the initiative we take around best practices and improvements and resiliency i think we do work closely together across a number of organizations and associations we had and we try to m

mr. chairman. my question, i guess is for miss cantley and mr. weiss. under regulation e, the consumers get third party liability protection up to, they can't lose more than $50 for unauthorized electronic transfers and i know some people have talked about expanding that to business customers to help protect small business from these account takeovers. that would essentially shift the liability to the financial institutions. and potentially i suppose make the small businesses less interested in some of their protection although i guess reg e does require them to immediately notify which maybe would benefit the system. is that a good idea or a bad idea? >> currently, commercial and small business customers are covered in every state by uc c-4-a and we feel that has stood the test of time in addressing this issue. >> what is the coverage amount under ucc? >> that the standards need to be commercially reasonable. >> mr. weiss, do you want to -- >> really nothing else to add to what michelle stated. >> looks like mr. woodhill, go ahead, sir. >> if i may. th