issue i would add to what jean has said is that it is important when, an organization has not performedell, that bonuses be adjusted for that. there-- one of the principles we think is very important and the federal reserve will incorporate in its guidance going forward is that the compensation should be risk sensitive. it should reward good performance but then when performance does not meet goals or when there are losses, then the compensation it has to be directed in the other-- >> he is the first one that emerged with the risk assessment relative to the management of risk basically. he maintained from the beginning that those persons responsible for creating the risk would have to accept the responsibility for the failures, and so i think we are on that path for sure, but i just want to make sure that i understand when mergers are going up, buyouts are taking place, what the purchases are being forced to do by anybody. i want to understand that better and i will continue to try and pursue that. >> i think the chairman would say in the savon pay grill legislation in different proposals