i do not have a problem with the performance of duty .  i have come to the floor to express some concerns with regard to the identification of an insurance product .  we are turning it into an indemnity and a gratuity with regard to an insurance product .  we have to be smart about our business with regard to how we proceed .  that is my purpose of being here .  it is not to reach into the treasury and just say we are going to give this money out .  