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this mornings presentations and yesterdays to me were very erudite and theres so much related to this issue in terms of policy in terms of Technology in terms of financial stability and supervision none of that Im going to deal with because its been dealt with by everybody else so well and so deeply Im dealing with a simpler topic which is money laundering and thats basically about risk vulnerabilities and implementation of the standards of the eff ATF in particular and how that might affect or does affect other aspects of supervision and other aspects of government policy so having said that let me just move on here Ill give you three little parts of my presentation one is what the eff ATFs view was some years ago secondly what it is now and thirdly whether or not the proposed changes to the standard in relation to virtual assets as the terminology used by the eff ATF hes actually likely to work or not and to be honest I have my doubts so the f ATF standards were revised and