side, weterm rate still have mortgage volumes better than some may have expected at wells fargo and jpmorganbut the risk is coming to this quarter since the big leg up in yields came at the beginning of the quarter. mortgages are most sensitive to those rights. romaine: talk to me about some of the regional banks. we saw a big selloff in pnc despite a relatively decent quarter. alison: i think it is all about the guidance. seemst cover pnc but it there is a lot of doubt around pnc being able to meet their targets. they are sticking to them. the one comment i saw was that we are investing in technology and we have higher expenses. you're seeing that at all of the big companies i do cover like jpmorgan, bank of america, jp morgan. some of the benefits you are seeing in the numbers of revenue, that is important going forward as we worry about competition and overall consumer competition. banks need to be competitive. on technologyend to be competitive. caroline: great to get your expertise, alison williams. we're joined by wells fargo's cfo. price, it your stock know it's not everything, but ta