we would be, it would be very difficult to deal. with i think we know how to deal with bad loans and things like that. i think more, a cyber attack, if it were to take down a major financial institution or financial market utility would be a really significant financial stability risk that we haven t actually faced yet. j.p. morgan international counsel says it is time to step up cybersecurity efforts across the increasingly dangerous threat to not just the economy but national security. among the recommendations, the group is making, strengthening collaboration between public and private sectors, ramping up the hiring of cybersecurity experts in government agency, and enhancing intelligence sharing among like-minded countries. joining me from stanford, california is, jacqueline snyder, she s a hoover fellow at stanford university. thanks so much for being here with us. so in that report i just referenced former defense secretary bob gaetz says sieb