group submitted a 325-page volcker rouletter. you're actually seen people -- and that was done by a very small group of people, four or five people. you're actually having citizens groups making input in the rag regulatory process and the media has taken over, "the financial times" and other outlets have taken that up quite seriously. you're getting push back from unexpected areas. the second as i hate to say it is if we had, you know, we've obviously very aggressive efforts by the obama administration, the fed, to keep the banking system healthy. if we see more problems, you know, for example, if -- for example, a major european bank were to fail, i can't not see the problems not ricocheting over here and there would be a human cry for, why didn't we fix this? we thought we fixed it. >> next question. madam? >> i'm mitsy wortheim with the naval postgraduate school. i want to build on that. seems like one of the problems we have is nobody understands how this system works and where do we find a collection like you that can sort o