in particular, munis palties we saw what that did. so overlending to certain countries in europe because regulations encourages overlending to businesses in europe. there is a sovereign in europe. there are many ways to increase banking. it isn't risk taking. i come from silicone valley where there is a lot more risk. they take banking with somebody else's barrowed money. they bought a mansion without a downpayment but they are a corporation and have access to profits. but they help them out and they continuely live on the edge. it isn't necessarily. but the problem is they are allowed to. in terms of the blindness. it is a term i came -- after the book i met a writer who was a book called "willful blindness" it is about see no evil, hear no evil which represented the blind spots in blanking that is more of the willful blindness. in other words, i don't want to hear about it because it isn't convenient for me. i have had any instances of i don't want to hear what you have to say because i have my story and i am sticking to it. >> hela