You make of very, very very fundamental point. What we think of a rising cost like energy is really the devaluation of the dollar and future fears of devaluation. With that Silver Dollar if you flip on this table you here at a nine piece loudest sound that is how we got the phrase sound money. [laughter] mr. Forbes whittier thoughts of the concentration of the Banking Industry consolidation in your the concentration of deposits . It is one thing to get consolidation as a result of Natural Forces of the marketplace it is another when it is a result of a regulation and fiat. In the first part of the history we had extra banks because of regulation but when bankamerica the original one started in california when he took the bank across state lines using a big Holding Company to get around restrictions if you own a bank in one state cannot o one in another so Congress Passed an act to prevent him but today dodd frank had the implicit purpose to drive small banks of business. They will tell