let's ask melissa frances, and alexandra scaggs, what do you think? >> i think everyone has poke en t-- ihave spoken to thinks thaty can continue in bank stocks. a lot of that -- >> the bank holders are those nene about the economy? >> they are confident about the economy, they think people will be borrowing more, employment is getting better. if they can lend out at higher interest rates they will evenly, it might take a while, but it will translate to bottom line. neilline. >> you know they know how to make money in every environment. that is why you could be right about this. neil: i don't think could. >> the other side, i'm concerned about fact that banks are washington's favorite whipping boy, they are those whether they take away their ability to charge fees and make money to trade prop trade. going after commodity businesses, they have done all they can to undermine the banks, it does not show any sign of slowing down. at the same time they are urge attack in legal porters. until they get out of sights of washington they still have problem. nei