mr. kubiac. the statistical significance of his analysis is pretty small and it's also, he understands, of course, the difference between correlation and causality. there's a lot of things that impact the funding costs of banks including the fact that they're in international. diverse businesses. a large money center bank doesn't look anything like mr. wilson's bank but nonetheless, nobody knows if we ended too big to fail. mr. frank made the point that simply reasserting this wouldn't do it. one thing that is for sure is that we took a whack as it in title 1 and title 2. the right question, i think sb is not did we end too big to fail. we're not going to know that fringely until a systemically important ropes. then we will see. sheila bair, who i happen to trust on these matters, says she thinks that sort of institution can be resolved. we're not going to know until we see one of these institutions hit the skids. so i guess what i really want to do is continue this line, because it's a useful li