but i think the idea of using county designations and using deposit as the sole member of indeed sheffer what business is a trader he is incorrect. i can give you many examples of this but i would invite the board staff to reconsider how to do bank mergers, not based on deposits oco not based on the index, typically rural counties. cycle is the you should comment letters on mergers. mergers between banks holding companies, if there's no comment yet the 56 day approval process. if they get one comment a letter that extends to 206 days for approval which reduces efficiency, reduces part to the ofup and up like to see the board adopt a new approach on letters interest in which between real comment letters from junk these connected to the merger and just promotional fishing expedition comment letters of the reserve banks have more power and a forced board of governors approval. i'm going to write you about this. even need to comment on it. i would like you to comment on labor force participation rate because my reading of the cohorts that you reference a macro action is younger people are wh