we welcome now alison williams, bloomberg intelligence's senior analyst and neil barofsky. o start with alison. we have a full-screen summarizing what is coming out of this law, increasing that threshold, reducing the number of banks facing the tougher tests. smaller banks get relief from voelker -- from volcker. alison: it is important for these smaller banks and if you think about the spirit of the changes, it is a sickly, let's focus their elected -- the regulation on the biggest banks that pose the biggest risk to the system and that is the focus. rolesk regulators, the are sort of aligned with that. if you think about the negative andcts of the regulations it has been especially big for the smallest banks that do not have the big base to leverage these costs. that relief is important. it does save them some of the compliance costs but then the other aspect is, it makes it more beneficial for these banks to merge. costology is another big that is becoming strategically important. the largest banks have had an advantage in terms of being able and revolutionize what is hap

captain, william porterfield, is targeting a shock win as ireland become the 11th team to play test cricket, and the first to make their debut since bangladesh 18 years ago. from dublin, alison club ground which has been transformed into a test match venue. it is the culmination of a long journey for ireland to gain full icc membership which began in 2007 with ireland causing a huge shock by defeating pakistan. it is fitting they are the opponents in this historic first test match. they are the favourites, but captain william porterfield wants to create an upset again. there is no reason with these conditions we cannot beat pakistan. it is a test for a reason. it isa pakistan. it is a test for a reason. it is a test of ability and technique and mental attitude towards the game. i think we have a lot of those boxes ticked off and we are confident with the experience in the squad we can beat any nation on any given day. it will not be an easy challenge. they will go in as favourites and they deserve to. it is our first test cricket experience, but we have everything we need. ireland may be inexperienced at test match level but have been playing one—day internationals for 12 ye