their exit ticket to be to go to either a wall street firm or someplace in the business look at timothy geitner winding up at warburg pincus. so in any event the the one of the ways you see you know you before the break you talked about dodd frank you know the one hand you have dodd frank which you know at least on paper has made a has made some difference although nowheres near what needs to be accomplished on the other hand you have a whole series of settlements of mortgage abuses which the regulators have an incentive to tout as being very big and serious and the banks have an incentive to tout as being very big and serious playing along with oh how abused we are and how horrible these indignities are when in fact when you peel back the onion these settlements typically contain a very very large complement of items that the banks the regulators put a cash value on but really the a the cash value is a fraction of what it's thrown in the settlement as being and then be a lot of us for stuff that would have done any house to the basically double dipping that basically they're basically getting