marjorie clifton. tom, we don't have a break down on the cost of these initiatives. we know the federal government carries a big lever when it comes to prioritizing project in this case that will boost minority lending initiatives. how do you think this will go? >> well, i don't know. joe biden talked about we had -- too long had this narrow i have of a zero sum. i win, you lose-type of thing. he talked more in terms of rising tide lifts all votes. that's the sort of the republican philosophy. joe biden is now employing it, but employing it in the sense that the government is the one going to lift the tide by all of the spending, and all of this investment. he's going to do what he can to shrink the racial wealth gap.