Kirsten: it's impossible to do a wrap up to something like this. We started a theme this morning and you've heard a lot of different models and now it's up to you to take what you can and do something with it. We will continue with the research and the panelists will continue to do what they are doing. We have another meeting in Dallas in the fall as part of this series of conferences and we'll be exploring how to turn some of these things into reality.

Carolyn: let's thank the panel again. We're very pleased to partner with Aspen. Make sure you return your voting tools. If you have left your luggage or your coats you must take them. The reception will be downstairs in the same area you had lunch.

There are still some spaces available for the second day. If you feel like there are some sectors you want the Federal Reserve Bank of NY to be involved in send me an email and we'll discuss it.

Thanks again!