but iter ran the agency was run by very competent former attorney general from ohio named richard cordray. they are important in financial protection. that the industry, whether as the auto industry or the mortgage loan industry where the financial services industry , payday loan regulations, important with the consumer protection bureau and it's able to do its job. we are big fans of that agency and yes, there have been many bills in congress and sometimes, the bills passed even in times when you don't have necessarily the votes for all the things we want to do for consumers. we get a lot done. i'm with a private organization. understandrtant to is there are both federal agencies that are paid for buyer tax dollars like the cfpb, important agency that we all should support because they are out there protecting all of us. this is an ecosystem of nonprofits like mine which support the federal agencies which take fraud complaints and send them to the federal agencies and we all work together. i will agree with you. we could do a whole ledbetter and must do a whole ledbetter on protecting co