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Very fortunate that i got in position to collaborate with others in trying to realize some of those things. In is a question from twitter that i was also interested in. The question is, how does the fed evaluate costs and benefits of Equity Capital requirements . How do you get to that number compared to where basel was . We did an awful lot of work on capital ratios, both the levels that seemed prescribed or needed in order to reduce e chances of financial instability but also the cost of the economy. We did a lot of that in collaboration with other Basel Committee members in a quite substantial exercise but we actually did a bunch of that on our own. So we actually formulated, i think, quite a good an lytic framework on both sides of that question and that informed our positions on baseliii and on the surcharges. In both cases we were in favor of somewhat higher numbers and eventually came out and that was based in part on the analysis we have done. With respect to the leverage ratio

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