majority of americans lected this last november was elected in part on the expectation they would repeal or dramatically change health care. they had to do that on the repeals side and they did it in one day and now it's time for both parties to sit down and resolve the rest. but for the economy, now that we postponed at least temporarily some fuinality to the tax question to move to education reform to make sure our children really are getting the education they need to be 21st century workers and, also, i can say from the bankers standpoint, overregulation. the requirements of too much capital, too much premium payment for the fdic, discouraging commercial real estate loans. these are the kind of things that, obviously, obviously they have to be looked at again. the president's piece in "wall street journal" yesterday i thought was excellent. his commitment to regulatory reform is focus on the economy. that's what we need to do. both parties need to do it and the american people would live