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derivatives regulation likely change the way you manage your risks are your business? and mean, certainly there s still questions out there but the rulemaking is going to need to clarify for us. but kind is based on even where you think it s coming out today, how is it going to change what you do? well, specifically on the pension side because they did something that was pretty smart a couple years ago they entered into a long-duration program, where we moved more of the pension investments from equity into fixed income. and so also looking at doing more physical interest rate swap. the same is to minimize the interest rate volatility. if you want to add on additional 10 to $15 billion in interest rate depending on how legislation decides to set the initial variation margin, you may forgo doing some of that because so much capital is being set aside and entered into a hedging portfolio pictures they knew what to limit volatility. but now you re adding this cash component be