mr. goebel and mr. stevens. >> sure.so the idea of the buffer is actual dollars that sit in the fund that shareholders can see that's subject to board oversight that does not involve the federal government. to insure that people understand that the incentive to leave does not need to be there if there is one in a stable -- >> is this a fund-by-fund-by-fund buffer? >> yes. every fund would have a buffer and be mandated. >> all right. >> you can imagine different kinds of funds might have a different buffer, there are a lot of details to be worked out, but in essence, yes, every fund would have a buffer. the real risk we talk about is this con contagion effect where i have to worry about what my money looks like over here. the idea is there's no collective socialization of the risk. every mutual fund in every complex has its own buffer. >> all right. so let me stop you because mr. . >> week earth -- mr. . >> week earth talked about being a treasurer, and a lot of them in colorado were in the primary fund, okay? and we had