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dodd-frank was possibly had title one which envisage bankruptcy is the institutions would go into bankruptcy and the stress tests and the living wills I should rather i should say the living wills are all designed to ask the banks okay how would you go through bankruptcy but we now have we also have this parallel process of title 2 which as its set up in dodd-frank would be very different so part of what I think were proposing in this in this report on on resolving large institutions is that we really want to move the bankruptcy process on the trail to process the orderly liquidation process together so that the living wills can serve for either bankruptcy and that would be the first choice or to this orderly liquidation authorities