Have the same expertise. I think its regrettable and a what youre saying but i think there are tools for pushback and they need to be used. Its hard to go to the public and say to the people are buying houses and pretending to flip them, we will take away your credit because we dont think buying a home is a good idea. I think it would have been a lot of political support. Now there is but not back i mean, the public is basically saying, as we all know, people who speculate in the middle of it and thought they were doing the right thing. Based on what we discussed this morning, what is the one recommendation you would give to each of the following participants, the government, Financial Service providers and consumers . Give a sort of a short, snappy response to that question if you can. May i go first. Sure. Well on the government, balance the budget. Simple. There you go. One other one of the reasons why balancing the budget is so important because that would give us more room to fina