I'm looking at the example of us saying that we are expecting people if they want to get a job at the bank, to somehow find their way through the bank to get a job, whereas we've found, we've seen it in neighborhoods in this city where when we take the job opportunities out to the people in some of those neighborhoods who wouldn't be able to find their way to the bank, not because they're not bright, but just because they are lost in a big place like this, and how we're going to take opportunities out to people, how are we going to take opportunities out through technology that David was talking about so people could work perhaps even at home and use technology that's barrier-free, but how are we going to sort of turn this thing around, instead of it being build it and they will come, to saying we're going to take opportunity out to the groups that are underemployed in such numbers /////// 