on the desk tonight -- tim seymour, karen finerman, guy adami and julie biel. we start with the american express ceo saying consumers may be more skittish. shares down 4% midday. on the other hand, bank of america saying he thinks the consumer is in pretty decent shape. listen to what he told cnbc earlier today. >> for the primed american consumer, they're employed, earning money. now, is inflation tough on certain segments of the economy, absolutely. and that's what you're seeing how i feel versus what i do. and how i feel is, i feel inflation, i'm reading about it, everything is more expensive, what i'm doing, i'm going to concerts, i'm spending money, 7% in november higher than last november, to give you a sense. and so, the way consumers are spending money is leveling out, but all in all, in pretty decent shape. >> so, who has it right? guy? >> maybe they both do. maybe brian mine than has a window into his client and then american express, obviously, something else. i would obviously tend to favor what american express is saying, and then you sort of liste