largest banks are doing well? >> no i'm not. >> the question is with potential trouble ahead the banks are more profitable than ever. this recovery started with the auto rescue. we have had eight plus years, 90 some months of job growth. job growth admittedly was less in the trump administration than it had been for a number of years prior to that so it doesn't really matter if he gets credit for it that the recovery will end at some point. don't you want the banks to be prepared or for what they weren't prepared for in 2007 and 2008 a relaxing capitol standards, doesn't it speak to that? >> the federal reserve we felt it was $400 million when you take into account the other ratios so i do agree with on the industry to be well-capitalized and we want them to understand their risk in-app high-quality liquidity.