council decides to with met life and does not pose a threat to financial stability then -- >> no, nurks. three insurance companies got tarp funds. aig was maybe -- didn't need it. even with the insurance, it was walled off. those asseted were walled off because of illinois liquidity requirements. so i don't seed the need to drag the insurance companies sba this particular rule when they did not present a systemic risk in the event -- in the terms of metlife. we cannot bring a single term down to metlife. you don't have to answer that question. >> thank you. mr. grim for five minutes. >> thank you, madame chair. and thank the panel for being here today. it is interesting, i'll tell you that, the last of his questions, i think hit to the heart of why everyone is so confused. the amount of uncertainty has risen to an all-time high. and it's getting worse. the gentleman from north carolina asked before why we don't have more smaller banks. that should be obvious. they can't compete. they can't keep up with the administrative costs of all the rugs and regulations. as we continue to add on in