The F-Home Sea Meeting on Interest Rates

I can't talk about what was presented at the F-Home Sea meeting. So I will neither confirm nor deny that. But my own staff here was certainly well aware of issues with banks. We talked to bankers all the time where a regulator of banks and so we knew that there were issuesAbout some deposits running off to non-bank entities that wanted to pay a higher rate, which is manageable for nearly all institutions. Most banks say loan demand is strong and they actually have incentives to make loans at the higher interest rates if they can in order to offset some of the older loans that they have that are at lower interest rates. Well we've got to send it back to Tom but given