moody's has changed its outlook on 12 aipac banking systems including the likes of china to negative.s the story in hong kong. we broke the story a couple minutes ago. tell us more. david: i'm holding a statement took a whiled it for moody's tacoma with this because as you mentioned, it is all-encompassing. we are looking at the entire region. before i get into the list, japan and hong kong, which are part of the report, are already under negative watch. they are including everyone. australia, china, india, in the malaysia,ia, korea, new zealand, philippines, singapore, taiwan, thailand and vietnam. governments have been putting support measures but don't expect those measures to be sufficient to offset the impact from what is going on with coronavirus, the downturn it will have on banks. this extends beyond the first half of this year, the credit impact could be significant. in terms of the sectors, hotel and restaurants, airlines, automotive could be the most severely hit. if you take the list and look at the second list, which ones really have the most exposure to those sectors. ex