you're responsible for sfog. the chair of that. you put out some rules. you'll be considering what significantly financial institutions that can cause financial risk to the system, and to your credit, i think you put forth some fairly transparent rules, but when we look at the international community right now they're going through a process where they're not being as transparent. and a lot of the entities that are domestic companies looking at complying or determining where they stand with you the international community is not as long. is that process out of whack, and do we need to make sure that -- you know, you've heard me talk about harmonization. >> we are really ahead of europe in designing the bafg framework for oversight transparency or derivatives market. the fact that they're behind us creates a problem. we want to be converged to the basically similar standards. and that's one of the reasons why they've been a lut bit slower than the deadlines established by congress. and that context, like in my others where they're a little behind because t