the chair now recognizes the gentleman from connecticut, mr. hines. >> thank you, mr.chairman, and i really do want to thank you for the focus on too big to fail. i know we disagree over the relative merits of dodd frank. i'm a real believer that the creation of the cfpb and the fact that american families will be protected from some of the more predatory and toxic products that have beset them for a long time is a real step forward, and i think the will have you and the trillions of dollars and derivative market is a real victory, but none of us know the answer, and he ended too big to fail and there is a funding advantage for those large institutions. i looked carefully at the statistical analysis offered by mr. kubiak. the statistical analysis is very small and he understands the difference between correlation and causality. there are a lot of things that impact the funding cost of banks including the fact that they're international anda i large money center bank looks almost nothing like mr. wilson's bank. nonetheless, nobody really knows whether we've ended too bi