Brief recess with more questions including crypto currency, Cyber Security and hiring practices. They also touched on the economy and inflation. This is an hour and 45 minutes. The committee will come to order. The chair now recognizes the gentleman from guam, mister sam nicholas for five minutes, welcome. Thank you mister chairman, can you hear me okay . Thank you. Thank you mister chairman. I want to first begin by recognizing miss fraser and citigroup, the conversation im going to have to actually involves all the panelists but i wanted to begin with her company and herself as based on our research it looks like citigroup pays five times more in interest to its depositors than the rest of the individuals sitting at the table. Miss fraser if upcorrect your deposits are yielding. 05 percent interestrate . We believe we have, well we have a variety of different deposit products and we need them to be competitive and fair. The information i have here on your basic account policy is a. 0