yianos kontopoulos and jordan rochester. great to see you guys. to interact with us directly. very helpful when we break citi and wells fargo in a few moments. this is bloomberg. ♪ alix: thanks front and center. jpmorgan up .7%. the revolving question on loan growth. on set my charles peabody. you had an hour to look through the numbers. where are we in terms of loan growth and credit charge-offs? where's the biggest weakness you found? charles: in the first quarter, it was across the board. the weakness we are trying to find out is what is happening to see ancni. the cni weakness has been persistent. peaked at growth high single-digit rates and is now running at low to mid single-digit rates. something more than just a trump affect or energy. there is concern. small business optimism is good. job hiring is picking up. that doesn't square with the negativity you are finding. charles: the hard data is not following the soft data. alix: these are both hard data points. charles: 9% loan growth is not bad. that is pretty good loan growth. it's out