Just so people know the way the process works, a rule is put out for comment and taken with the comments and revised and put out again and finally made final. and generally what happens is the comments come from the industry. because they're the people that are keeping the closest amount of attention. i'm not going to the s.e.c. to see what, how big should a bank be to qualify for a swap facility or whatever the rule is. what would you say is happening broadly in terms of dodd-frank implementation, is it encouraging or worrisome. >> i think it's worrisomworriso have a lot of rules that haven't...