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Transparency. One of the things its much too widespread. And that leverage is one of the things that grows out of the derivatives and other highly structured complaints. But they do a better job within the industry and trying to get more effective disclosure particularly as it surrounds the concept of leverage. Getting the fiscal house in order he also said Monetary Policy only accomplishes so mu much. We have to do it in a way thats fiscally possible. Those are the kind of discussions we need to be having if we need fiscal policy to get more robust growth in our economy. I wish the congress with all of the unemployment there isnt a greater focus on jobs in the economy i dont know but i think that is a benefit for everybody including the Banking Sector to get this economy going in a way that we have been used to in the past. For Financial Service providers i think things for the long term in terms of the longterm Customer Relationships, think of making money by providing the value not

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