Today I believe and it's not a number that I look at on a daily basis for sure even on an annual basis the number of banks is now below 10,000 so there's this clear long term secular trend towards consolidation in the US banking industry. There's lots of reasons for that brand economies, technological economies, and you look at the very mature British banking market and there's like four or five banks. It's hard work attracting all sorts of resources that the existing banks have already dominatedso we might end up with a market in the United States which is as concentrated as as the UK in terms of retail banking. And then banks like JP Morgan will have a balance sheet that's,