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claiming? jon: dodd-frank regulations were designed to rain and abuses at banks, kristen, and given what wells fargo was doing recently, you can see why some of that might be warranted. but the big complaint from the community is that it was the sort of mom and pop banks, the small community banks all over the country, farm country, smaltown, small small cities, those are the ones who are really being crushed by the regulations of dodd-frank. this is all about unintended consequences. you can be someone who wants to see financial regulation really protect consumers and put forward laws you think will achieve that but they wind up having these unintended consequences where you are hurting small banks or in the case of this regulation that says you have to if you are a financial advisor come you have to invest only in the lowest fee option, and in some cases that is taking some investment options off the table, so it s all about mitigating these unintended consequences. i think tha