indeed the entire ucc can be summarized in two words. i badly wanted to know what that was so i asked, what are the two words? the fellow looks down at me and my study and said bank owens. [laughter] and it is starting to seem a little bit as if a similar two word prophecy could be applied to the united states supreme united states supreme court's decision and that would be corporation wins, and i have two questions that i would like to ask across the panel. the one is you know at some point in human behavior, when actions result in a certain thing time after time after time after time, it becomes reasonable to presume there is no longer a random effect happening and that there is indeed some intentionality to what is going on, and so my first question would be to each of you, do you think we have reached that point at this stage? let me start with ms. dukes. >> the let me get a little clarity of your question. >> could you turn your microphone up? >> let me get a little clarity as to the question you asked. if you could make a little mo