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treasury want to pass? what is that going to do about the world of derivative, the bad part that nearly brought our economy to its knees? first, it s good to be here. derivatives are, been a very big loophole in the financial services to today, we think it s really important for them to be brought with the regulatory structure, to make sure that there s transparency in the markets so that people know what prices are, regulators know what s going on. our world of policing these important instruments. as you say, used properly play a very important role in the management of risk with business ace cross the country. but it needs to be done transapparently where people see what the prices are, what s going on. allow us to manage the risk that these instruments can create if not used properly. that s fundamentally what this legislation would do with respect to derivatives. neal, let me ask you this. a lot of folks focused on what, sec charges against

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