that is a matter of significant concern to us at the ochtc and e that is not endemic throughout the entire organization. we hope that the reconstituted risk committee members of the board will be experts in -- >> have you reviewed the risk committees of other banks with over $10 billion to determine whether they have the necessary expertise, and that's for mr. tarullo as well. >> senator, i think one of the virtues of the provision that you referred to is that as one of the enhance the pro desudent standards, meaning for large institutions, the large institution supervision committee will look at each and compare them. i think it's that process which is actually going to give the individual supervisory teams on the ground more guidance and more insight as to what they should expect. >> and i suppose there's some difference. there's some banks that are over $10 billion that are pretty plain vanilla banks and other that are doing -- >> that's correct. >> doing fancy sometimes unfathomable things? >> that is correct. >> you didn't correct the word unfathomable. mr. curry, are you reviewing ot