nominal bond yields are not suggesting a large alarm about inflation, even pro inspectively -- prospectiviley. but we are very much aware of the lesson of the 1907's and the lesson that's been taught many times before that if you wait until threats are conclusively established, you have waited too long. that's why we in the administration are constantly monitoring the economy with an awareness of these risks and a recognition of the importance of long-term fiscal sustainability. yes? >> good afternoon. "the national examiner." i was at the future of finance initiative in march and you had met with the financial experts, other people, who said that 1,500 banks were going to close in the united states by 2010. that is an estimate that they had. i'm wondering if you have any comments about that. and, you know, recently there were seven banks that were closed. one in texas and i believe there were six in illinois. i'm just curious if you have any response to that. >> i would refer you -- i'm not involved directly in the regulation of individual banks. so i refer you to the statements of sheila ba