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the amount of electronic reserves held by the banks has gone up a great deal, but they re sitting there not doing much. we raise the question of whether they should be doing more in some sense. so far we have not seen any indication that they have proved inflationary. does the federal reserve own and gold? known no. so you did not hold any gold? maybe a little bit. somebody asked me to ask you that question. i am told we have gold certificates. what to do with those? their part of our reserves. the great bulk of u.s. gold is held by the treasury, not by the fed. we of been trying to track the cumulative effect of the dog-franc bill. it has 400 rulemaking requirements and it. to track the cumulative l.fect of the ododd-frank bil it was alarming to find that basically it was published it would take 22 million man hours per year to comply with the first 140 regulations, so that means we re two-thirds of the way. of we re headed to a lot compliance hours ....