basically that's it. okay? then what happened is we gave up on that strategy. nobody has a "b" strategy they put out publically. hopefully there's one being rapidly developed. from our mouths to god's ears. but the criticism is the lack of those things. i want to move on to another subject that's equally irritating. >> some of the folks who have been there have come back with a different perspective. >> i fully acknowledge that. to the next subject we go. bank of america already made friends by offering a $5 atm fee for anybody who wanted to get their money out. that did so well for them with their diplomacy with the american people that they decided to up the game. you see the beautiful thing about being a monopoly business, because if nobody has any choice, you get to do whatever you want. that's why in america we're in favor of competition and we don't have giant monopoly