good wholesome american business. i don t know about pull some. i do know there are certain activities that commercial banks can do well and each mediation process and should do about and i think the market is fierce to define it that way. i don t want them using the safety net to trade on and a speculative basis to make their earnings. natalie at the voelker rule, we should be getting towards that. it s already been gained to death, so we ll see. thanks. hayek, i m a reporter with the huffington post. my question is, when you talk to policymakers in washington about the size excuse me, the market concentration can you point to the top ford at the top six. they say well, it s nowadays in the u.k. or in switzerland. it s not that concentrated. they are not double the size of the economy. i m curious to know what the current level in the u.s. is dangerous? what is the counter to the argument that it s not as bad in the u.k. or switzerland? well, not as bad as not