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Involve hiring a staff of people to do the work and they say that the big banks can do that better. We hope that congress would look at that. There are a number of other things in the regulatory area that are bad. If they carry it further, it will make it dangerous for Community Banks to get any in the game. If congress will look at what the real needs are in the Banking Sector and and perhaps make it a lot easier for Community Banks, we certainly would like to see them thrive. It is not, from what i hear, that they are too big to fail. They are too small to compete with regulators. Take a look at the material the gentleman who asked the question it begins on page 53 or so of the report or its bills of the scale and the hope that this could reach very deeply into institutions. Barry, you had a thought on this question . Barry is with the commission and, it is with the consumer federation. I wanted to make the point that this issue of access and affordability credit is a strong theme in

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