. >> nedim chair, some have proposed that we do not have any threshold, you have seen some of that, but if the regulators have the jobwer to do properly. senator crapo. senator crapo: thank you. i want to follow up on the same question senator warren finished on. last september, i asked fed governor tarullo about raising the trigger from the $50 billion level, and in hearings we have heard that the asset threshold should be changed or raised because they are average very, includes banks that are not andemically important, produces only undesirable incentives. governor tarullo said several years of testing and assessment have given regulars a better understanding of the threshold. given the complexity around stress testing, he said regulators haven't felt that the additional safety and soundness benefits are really substantial enough to warrant the kinds of compliance and resource expenditures required of banks that are above $50 billion in assets, but well below the largest systemically important institutions. so, i guess, my question to you, which is sort of another way of asking the s