 anybody whether it's going to do with the rich it's going to the middle class or even the poor a sense that no one should be any risk uh... that everyone is going to be protected by the government did some form of the other there is no more uh... cleansing effect there is no pain that anyone's allowed to endure so i would say that what we have to be the system where risk has been socialized yeah a great example of that is silicon valley bank