mr. gruenberg, mr. occuri and mr. t mr. tarullo, more broadly defined than the qualified mortgage, would it be correct to say that the banking regulators should wait for the cpfb to finish their rules before they move ahead with their risk retention rules? >> senator, the judgments made on that, as a general matter we felt that there was a logic in having the qrm follow the qm. so, we'll have to see. but there is a logic to that. >> mr. curry, do you agree? >> i think that's a necessary component to the entire package of rule making, the qrm and the qm. >> mr. tarullo? >> interagency process, senator. if people want to wait, we will wait, too. >> all right. i encourage you to do that. mr. tarullo, recent events have highlighted the difficulty in managed risks. the current exposure method and there has been quite a bit of concern as to whether that is an accurate method of risk modeling. are you considering other models or are you focused on simply staying with the exposure method? >> in what context, the stress test context or the