mr. garrett. i think the industry participated a little bit in the primary. any wondering if there is additional discussion about that. what do you think about participating in the public primaries going forward? tim: i think the chamber of commerce got involved in those dynamics heavily in the last cycle. our organization has a more modest political presence and footprint. we have not gotten actively involved in the primary process like you have described. i know other larger groups have. jumping back to your question about the reputation of the industry, if you think about the black eye the industry has received leading up to the crisis, there was a lot of dumb behavior. you have to remind people that almost every american needs a credit card, debit card, checking account, savings account, car insurance, home insurance, life insurance, a small business loan, student loan, and more. it is an incredibly important industry for the economic plumbing and financial well-being of the country, not to mention 401(k)s, iras, disability insurance. it is an important i