it that people have done that you don't like? going after wells fargo and upon heading people not pay student loan debt that was inappropriately coerced out of them and protecting people against bank overdraft practices? the bureau has been an effective thing. it is very interesting that for all the granting about how terrible it is, they don't give you specifics. we anticipated this and setting an agency up to go after the largest most powerful institutions and protect the average investor and depositor from them was going to generate backlash we wrote that statute like senator dodd and myself to make it somewhat independent and to give it protection against what's happening. yes, it is meant to be the person who was there. we gave the director a five-year term and said the president