of some of the issues coming out of the financial crisis from the frank dodd law, we finalized the voelkel rule at the end of last year and got rules that are about to be final and some, in some very important area that leave you with financial institutions that have more security and the stability, more capital so that they are taking their own risks and responsible and able to bear them. hthey have plans that if they ht hard times it is not going to be a taxpayer responsibility. and they have -- and we have done things like the vehicler rule that reduke the amount of risk .. there are challenges in the future and focused on them but i do think that we have, you know, a great more deal of certainty than we had even a year ago and i am pleased -- >> rose: corporations say what they need to make the kind of extremities that would bring on more jobs, and, you know, new plant capacity and that kind of thing. >> i would add to that list that, you know, we have a resilient economy and a resilient work force. we have -- you know, we have responded to the financial crisis and economy crisis of 20