management say i'm sorry, you can't look there. you have to be able go from the depository into the subsidiary. if as we were given to the fed you will be at the bank holding company, and you are finding problems down in the bank, you are going to be able to -- burrow down. you swroep the long door the regulator has in the past. i actually think we will see what jack reed and judd gregg end up with. they are moving not only towards making sure that a lot of these derivatives are on the clearing house but allowing the regulator to move most of them into an exchange so you have much more transparency and you have to settlement mechanism in place and, yes, there is a question about legitimate industrial users. if you are an airline company and should you be able to hedge against increased fuel? i think that's a legitimate business hedge. the problem is making sure it really is an airline and not some wall street firm buy something small too big regional airline to be able to -- >> i agree. second problem with that, if the airline is get extra cheap insurance from the bank because