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As we design the doddfrank regulations, in all of these areas were doing our very best to address in these areas youve mentioned issues that have been raised and that we consider quite appropriate. It makes sense to me that congress should consider these areas as well. I want to assure you that we will do our best in writing regulations in these areas, however, to address the concerns that have been raised. Thank you. I appreciate your attention to it. I also believe that you need additional clarification and strength in the statute to do it right. I hope that well be able to provide that from congress. Next, in numerous hearings last year it was revealed that we ed dot there are no undue oues t interruptions after they finalized the proposal for the Banking Organizations last week, the european Commissioners Office issued a statement that the fed rule conflicts with the standards on the crossborder cooperation in the bank resolution. What concrete steps are you taking to ensure effect

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