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well two points I want to address first the one about capital requirements and the FDIC you know at CFB I see none of the problem it is the moral hazard by the FDIC that leads to inadequate capital if we had a free market in banking without government guarantees then the market deposits on their own prior to the Federation in 1913 today America would be a much wealthier nation and American citizens would enjoy a far higher standard of living than they do today the Federal Reserve has been very destructive to the US economy and the real amount of that destruction is going to be far more evident when this enormous problem this is the biggest of all the bubbles that they have inflated pops and the real enormity of the problems will be laid there and American is unfortunately are going to go through series far worse than the one that we went through during the Great Depression which by the