i'm thinking to myself hmm, the wealthiest county in america, o'tom potomac, being the da and they can't get a loan. --be bethesda and i can't get a loan. but guess what. they're still lending in the county, we were able to thread the needle, and i think we can do this here and because i see -- there's so many good players in this industry, and they're smart and they're innovative, and i think this rule that we're going to put out for comment will enable us to thread the needle. yes, sir can last question. >> i'm bob abner, commissioner at the consumer product safety administration and during the transition i was your boss. >> yes. i worked -- you do god reside work there. >> this is a personal note and i first want to note that there was a great article in the "new york times" a couple weeks ago making the very points you did about the differential that you pay when you have an indexed fund versus a brokerage account, which was a personal point for me because for years i was asking my brokerage account, how much am i paying in fees? it wasn't until i hired an independent consultant that