. >> before i go to the next question,ly say the receivership famework before the failure is in some ways very much mirrors dodd-frank. if you believe the orderly resolution authority dodd-frank prevents too big to fail. you need to explain why it department work with fannie and freddie. the woman here in front who has been patiently waiting. >> hi, ann stone. and i was one of very few women in southeast united states that helped start and organize a barning. went through the problems, we started a the the height of the snl crisis in '88 which was interesting during that time. and we were smart enough, we had problems with the permit in the bank and stuff like that causing concern to make it profitable enough eventually bought it. it ended up being a good investment. i wanted to ask a lot of speculation was done when financial melt down happened. that a couple of things were pant mount to the drivers of the crisis. one the effect of the gse on the primary mortgage market and the percentage of risk it went from 20 to 52% under the clinton and the change in the rule fas rule 157. i won