washington allocating credit along political lines. this is not good. this will not lead to a healthy economy. this littl politicize allocatio. we need a replacement for dodd-frank we need greater levels of loss absorbing capital, private capital, so we don t have washington bureaucrats, micromanaging our banks. which is leading to politicizing of credit. with ta rulo leaving, defacto, took over the board seat that president obama never appointed. but it led to an unhealthy economy, we see that entrepreneurship, is at a generational low. and last year the economy grew at an anemic less than 2%.