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in 2017 the then Federal Reserve Chief Janet Yellen expects no new financial crisis in our lifetime wow thanks to the largely to the reforms of the banking system since the 2007 to the 2009 crash but hey whats she saying today lets listen I I dont have time I need to be able to drill on a couple things let me start with some of the banking issues were dealing with on it will the deposits in every Community Bank in Oklahoma regardless of their size be fully insured now are they fully recovered every Bank every Community Bank in Oklahoma regardless of the size of the deposit will they get the same treatment that svbp just got or Signature Bank just got Bank only gets that treatment if a majority of the FDIC board super majority is super majority of the said board and I in consultation with the president determine that the failure to protect uninsured depositors would create systemic risk and docHub economic and financial consequences so what is your plan that determination right