ms. patraeus?ed, they do have a contract to operate on the installations and they are expected to do certain things. part of that is to provide financial education. certainly there should be transparency in the feet and when that contract comes up for review that is an opportunity to decide if they are treating their customers right. i will say that we are taking a look at the issue of what are the special products that financial institutions are providing for service members. we put notice in about a month and a half ago asking for input across the field saying let us know what you are doing. we are going to have a one -- day forum next month where we discuss the issues and some of the things that are being done that are on the positive side. hopefully that will serve to put the word out about what is being done that is kphpbdable and -- commendable and what are the issues that need to be addressed. i hope we will look and see why can't our stukeses -- stukeses do that. >> there is a group that su