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[Music] the European Central Bank and it has a set of supervisory relationships and I think yes but this idea of public/private partnership I think is really really critical and you know it you know this sort of private sector in technology has shown incredible capacity for innovation and docHub and distribution and and if you can marry that to the you know the safety and soundness and the kind of supervisory rigor of a leading central banks you potentially have something quite quite powerful with that you know emerging yeah so thats precisely the idea Jeremys is that you know we shouldnt stop we shouldnt stop the innovation we shouldnt rein in the innovation but we should make sure that it happens within the confines of a regulated environment I mean its great that we have new innovations in payments we have stable coins that are backed with relatively safe assets but you know theres a bunch of different stable coins that are available its hard for consumers to know which ones