andrew goldberg, global market strategist at jpmorgan. andrew, hi, welcome. are investors overreacting to this news or are the fears justified about the debt crisis in europe? >> well, invest hes aren't necessarily overreacting, susie. part of the problem here is that this action taken over the weekend doesn't address the heart of the issue. this is a two-prong problem in europe, and the first problem is that there is a solvency problem. a fiscal problem. and the second prong is a banking issue problem. and time and time again we've seen central banks around the world willing and able to step up to the plate and deal with that part of the problem. the first part of the problem means a fiscal response and that needs to come from the politicians and we have yet to see that yet. >> susie: we keep seeing that each country go from fire to fire, first it was greece, then spain, and who could be next there is a lot of worries about this rift ultimately impacting the u.s. economy and markets. what are your thoughts on that, is that justified? >> well, there are certa