and then finally the feedback is, and this was referred to by senateor warter said even when former do chept. >> why is that? >> it's a best practice chlts and so you really don't leaply have to do it. but we expect you to do it. that system of best practices. >> senator, i can jump in here. absolutely, this whole notion of best practices is something that we have to guard against: mick e make sure you recognize the communication. they're impacting the bank versus those things that are nice to-dos. that's one of the things that we really have to focus on. but one of the keys that's really at this is explaining the way to why to bank eres. >> thank you, my time is up. >> i would submit for the record a letter that i received from comptroller kerry that contained a number of suggested reforms that i appreciate very much. hearing no objection, i'll submit that to the record. >>> secondly i want to make a brief editorial component e comment, if i would. we had 100, 200 new charters wb the yore. i ha had to find it impossible. in my view, itsd's very clearly of a 'row interest ratened viern