y loans.t solely paidda it is car title loans. we have indicated that we are going to move ahead with making some policy judgments. our concern is yours. we want people to have access to the credit they need, but the kinds of products that they are -- they're going to make things better for them, not worse. you want to get rid of all of the products, and then those folks have no resources. then you get the loan shark. that is the person we want to make sure stays out of business. "the american banker" announced that t-mobile will allow people banksk without going to by offering the reloadable repaid cards. -- prepaid cards. >> it is a concern of mine -- can we stay ahead of how fast some of these markets are moving. there are many innovators trying to make their way into the space of mobile banking. many of them may be offered by phone. there may be other mechanisms as well. we are trying to stay close to that. some of that is happening more quickly. some of that less quickly. it is difficult to predict how that is going to evolve