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Out of. If you could perhaps speak to that issue, protecting and hardening it to our terrorisms. Thank you for the question, chairman smith. I will defer to my colleagues specifically in relation to power africa and those engagements. I can tell you the recognition that we encounter from Energy Companies and energy agencies, ministries in our International Engagements to an everincreasing degree recognize the importance of protecting infrastructure. One of the things the department of energy does is to enter into cooperative engagements with Key International partners. We do this at their expe...

We find ourselves in the 90s in a whole new world. The decline of Nuclear Weapons. We have an arms control treaty, start one at the very beginning of the decade. We have International Structure which is no longer why polar. It could be called unipolar. We have globalization is the recent pieces to it but it appears to be part of a fundamental new world order. I love that phrase. It has the imagery of military force that still there but not Nuclear Weapons. Economic measures of power were going to be so much more important. There was a prediction of the decline of the nationstate in the concept...

During the 90s and i faced that in 2002, 2003, and we know the importance of the independence of verification. You had it in bilateral agreements, verification with russia and thats long tradition. Thats one thing. But multilateral inspections are needed in cases like iran and like iraq. And in that for that you need impartial independent Civil Servants that are not subject to any corruption, that will not go to do the work with any of the intelligence agencies that are crawling all over the place. So i would like to ask you your view about the importance of independent verification as a third...

Adjusted are complicated. So what were trying to do now is get through an analysis of not only fico 8 and 9 but an alternative scoring credit scoring model and try to come up with a system that is a better system and then adjust the operational things that it would take to let me cut you off there. I only have a little bit of time. I encourage you to put pedal to the medal in that regard. We have pedal to the medal. We are at it. I guarantee you. Im not quite persuaded of that, but thank you for pursuing it because a lot of people would be more fairly treated with an appropriate credit model. ...

If we know were getting good loans and weve done our Due Diligence at the front end, then we can weve got more control over that process. But i can assure you that when theres fraud or misrepresentation in the process, we will retain the ability to put back loans throughout the life of the loan. I hope that means youre vigilant that the tendency here could be that this gives banks the benefit of the doubt that homeowners dont get, but i know your values and i know what youre doing in that job and i know youll be vigilant about that. Speaking of potential fraudulent activity that you mentioned ...