funny how just a few month ago you didn't need regulatory experience, or to even have read a regulation or know where to look for one, but work in regulatory; but now, all of sudden its necessary. and now looking to fill that regulatory void - maybe you shouldn't have let all those people walk out the door here's an idea - why don't DE, PB and LCR start looking for a new job so the whole damn company doesn't go down the crapper???