benefit from all those years of reform under dodd-frank that we went through with former governor tarullo and many others. and so we benefit from a very strong, well-capitalized banking system that is much better and hedging its risks than the one from the financial crisis. >> a proposal. >> it is a rule for comments. there's not a lot i can say. we do expect a lot of comments and we expect to take them very seriously. >> talk about comobviously therg that comes with your increased rates, and there is some real estate that is not worth the money that it was originally financed with. how concerned should we be about that, that there is something lurking out there that could affect the system overall, not just the people invested? >> that is affecting downtown real estate in a lot of big cities and higher rates as well, as you point out. this is an issue that we paid a great deal of very careful attention to. commercial real estate is not a principal risk or a major risk for the very largest banks. it is much more for regional and greeley the smaller banks that have proportionally much larg