and given the ambiguity, the treasury department certainly at least has grounds for terpg it the way they -- interpreting it the way they want to interpret it. so i think that's what they are going to do with the money unless congress tells them differently. >> thank you. my time is expired. senator brady is recognized. >> the bailout dollars, issued is this disturbing report that showed weak yess necessary in the design of the implementation of the bailout. he called on the treasury department to adopt recommendations and all the t.a.r.p. recipients simply account for the use of their t.a.r.p. funds. that they set up internal controls, and report periodically to treasury on the results with sworn certifications. do you support those recommendations? >> yes, congressman, doy, but i do want to point out -- i do, but i want to point out, much of this falls on the smaller financial institutions and the responsible financial institutions whose horses never left the barn. the problem that we have is we're doing this six months after the fact. if we had set this program up last october to