mr. quaadman, i'm just for you. i know that's not the one size fits all and your testimony and the way you put it, approach the fed is taking, what is your solution or what is your suggestion for them, for the fsoc people to look at the regulations and come up with a tiered system, or a system that allows certain folks to get out of it, or to go back and review the existing rules to see how they are negatively impacting some of the small folks that don't need to be in this? insurance companies that are not in the financial services industry. they don't need to be in this. yet there are rules that have been put out so far that it had a dramatic impact on some of them. >> sure, thank you for that question. i think number one is they should follow the law. if you take a look at the predominately engage tests which is the first hd the company should even be considered. congress sort of structure that as a one inch pipe another federal reserve and fsoc are trying to make it a 12-inch pie. and want to try to bring in as m