wide it showed bill grossman he and val become the protagonist of this book and bill grossman is american he is from rural illinois became a banker but not your normal reckless aggressive testosterone banker much more cerebral and thoughtful and intellectual and quite conservative and he became men and that she became known when merrill lynch started and then at deutsche bank as the man with the ethical compass and the conscience of the place and he was the guy this was an industry dominated that everybody wants to go go go step on the gas. shoot first ask questions later with the super ego and he would say wait this looks too easy. should we ask more questions he was smart enough and respected enough that people listen to him. so what happened at deutsche bank over the years it is a parable for what happened in the banking industry at large over a long period of time. the banks went from being these companies that essentially existed to serve their customers and became entities customers and the communities and employees, government and of course shareholders and investors and owners and

bill. i thank you and i thank the chair. >> thank you. the gentleman from wisconsin, mr. grossman, is recognized. >> thank you for being here. i'm glad you're all so ready to come to washington. i'm going to talk a little bit about -- i'm not sure if the public overall is in line with the things you're telling us. in part, that's because in the past we've had crisis around sars comes to mind in which we expected all sorts of horrible things to happen and baa maybe because all these horrible things didn't happen, the public is not -- many members of the public are not that alarmed yet. i want to talk a little bit about the numbers and what we expect the numbers to be in the united states. the things i have here show that right now in china there have been about 3,000 deaths. do you agree probably the worst is over in china, or do you think that number will continue to escalate, or slowly drop? >> i think china is a great sign of encouragement. in the last couple of days, they've really gone down to under 50 cases per day. they really have now gotten control of their outbreak. >> ok

bill. i thank you and i thank the chair. chairwoman thank you. : the gentleman from wisconsin, mr. grossman, is recognized. is recognized., ma: thank you for being here. i am glad you're also ready to come to washington. i am going to talk a little bit come tome things that mind, which we expected all sorts of things to happen, because all of these horrible things did not happen, and the public are not that alarmed yet. bitnt to talk a little about the numbers in china, what we expect the numbers to be in the united states. the things i have here show that in china, there been about 3000 deaths. do you agree that probably the worst is over in china, or do you think that number is going to continue to escalate or slowly drop? they have really come down to 50 cases per day, so they really have now gotten control of their outbreak. hman: ok. so in the united states, looking at the trajectory, looking at what happened in china and the united states, based upon what were three weeks, a month -- how far are we into the situation in the united states? dr. redfield: i think that's the critical question. for a peri