the question for us as american iciety is, we can't be -- don't know if the right word is arrogant orelfish. hey, we got here this way and you in africa are not going to get a power grid because we don't believe you can do it. we don't change how we run bankamerica through election cycles. our environmental program goes back to my predecessors predecessor. made, doubled, redoubled, and now three and a half times is i guess what the math would be. i am different from a lot of ceos. it is the difference between being told how to do it or figuring out how to help. we like to figure out how to help. that's why we worked with the u.n. to figure out the financing needs to call bush this purpose. because it is huge. it is going to take -- to accomplish this purpose. because it is huge. it is going to take the world to do this. what happened at wells fargo have happened at bank of america? brian: we run the business to get depth of wallet in balance and we don't sell it. we have 10% less checking accounts and we did eight or nine years ago. they are more important. more primary. it's a differ