very best job pre approval loans All you want is city hall to tell these regulators to just back off, let these companies come into the market and see what happens. I’m not advocating that in any place where people’s lives are at risk. I’m not saying we should do that for the fire department, I’m not saying you should do that for the police department. When we’re talking about health and safety issues I’m not advocating for more of a free for all situation. What I’m talking about is a lot of these industries where innovation can lead to better services at lower costs. Going back to Airbnb, one of the interesting things is the billion dollars that is going to get spent by guests in New York City this year renting places on Airbnb is going to go into the local economy because all of those hosts are real people. They get that money and they spend it here in New York because they live in New York whereas if it goes to the hotel industry a lot of the shareholders and operators of hotels in New York aren’t even here in New York.