we took thatout at schwab, we don't have any bounced checks, no nuisance fees, all that stuff is gone away . thanks willdo some of that stuff , actually but everyone ispretty familiar with gotcha fees . >> it in the auto industry is the format. or the nuisance fees of buying a car. >> you just eliminated probably the most famous in the history of the brokerage industry which is the brokerage commission. >> we were on that dissent from the earliest days so my hope was that we would eventually get there where we had enough other business area and it's sort of in many respects it would be analogous to google in some ways. that search is free. but then you use other services along the way. you buy some of the products and do some of the things and don't worry about it, we're not going to do what they do advertising your information to sort of set you up for these differentpurchases and so forth . but we have mutual funds and we have a bank and people borrow from us and we have a lot of different ways that people use us and so commissions we took tozero . so it makes it really very conveni

action thatout the mr. could tonala carried out -- i do not wanted speak for you, but i will characterize it this way. one could say that the letter could be written in a different way or it could have been carried out in a different way, and mr. cuccinelli had said that maybe i would have done in a different way, but it highlighted an issue that has been lingering -- my colleague used the word limbo. even with the letter from uscis, you are in limbo. there is no status given. am i correct about that? uscis gives a letter that basically says, you got a letter, we, uscis, who have no authority to say whether or not i.c.e. is going to exercise their prosecutorial discretion, we are giving you a letter that sort of says you might the ok for a couple of years. is that roughly correct? >> roughly. >> can you clean -- >> event deferred action can be revoked at any time. in circumstances where there may be a reason for someone to be in removal proceedings, i.c.e. and individualabout the cases. they are rare but th