there. this will free them up to do that. and finally, i would say on regulation, chair powell has said he would defer to the vice chair for supervision. that's another pick that president biden has. i hope he makes that pick by the end of the year. it will be an important one. that will be the person who really decides how banks are regulated, and i have no doubt they're going to toughen up the regulation from what you saw under president trump. >> and jason, there are a lot of vacancies. this is an unusual period. he's got a lot of slots to fill there. it's a seven-member bed board. >> yeah, there's three more that they can name by the end of the year, and i hope they do, and that we should look at this as what the board of governors looks like. as a whole, the set of expertise, representation, all of that is important, even more important is some recalibration of policy to make sure they're doing more to get inflation under control.