i want to bring in erika najarian, powell saying the sort of broad overhaul, you know, it was obviouslyhe ears of bankers, right? i mean, it's so weird because banking 01 is the cd that you lend out money -- the idea that you lend out money, you don't sit on it. where it's going to go from here? >> exactly that, charles. what he said about basel iii softening, let's interpret that to main street. essentially, the regulators are saying we're going to have less available capital for small businesses, less available capital for consumers and card. so i think chair powell's actually doing the right thing in terms of making sure the flow of capital is going to not be blocked especially given the cycle in the economy. charles: now, the other big news, new york community bank, you know, had that one session, it was down 40, came back when mnuchin came to the rescue at least temporarily, but it puts the community banks back in focus because the big banks are doing extraordinarily well. these much smaller banks, you talk about lending to small businesses particularly in the heartland, what what'