with this proy posal, market approval will know the consequences of taking on too much risk. next, i'd like to turn it over to randy. >> thank you. another aspect of our propose am is to establish the market. one of the things the white house has been talking about in naming one person as the regular regulated. >> we saw the government got into picking winners and loosers. how does this work? >> we would form this group. the treasury would leave that. people are part of the regulatory structure. possibly some outside people. their task would look at -- a lookout into the marketplace and have discussions to determine what is going on in the marketplace. new products, new things going on. what activities going on. being able to have that dialogue. the second part of that is capitol ack risy. the capitol for the activities involved. we think that dialogue prodouses a better forum, more efficient program we zo not want to be back in this situation where they have been impressed into share holders where they have been trying to make that mortgage payment and car payment it is my h