I think my guess is some of our more sort of anti-establishment viewers might be with you up to the first point like break up the big banks it's a bit of a stitch up. But then when you start saying bank directly with the government a lot of people will be a little bit spooked by that. I don't think there's a reason to imagine that those five thousand banks are going to go out of business. Some uninsured depositors if they get frightened instead of empowering JP Morgan with cheap uninsured deposits they'll just go to the to the federal reserve and you won't have any kind of any problems, he says.