andrew parry, thank you. fargo says it will boost lending for auto sales and seeks scandals.st its sloan told bloomberg there are some markets that concern him. tim: we know there are patterns, and during the financial crisis, the banks that created the concerns in the industry. that were markets concerned about auto, and we have pulled back. now we are going to be growing that business. >> what else? we are concerned about commercial real estate activity. we are the largest commercial real estate lender in this country. but some transactions seem a little bit frothy. i am not smart enough to pick the point in credit terms, but you have to be consistent in terms of how we manage credit and look for signals. what are you keeping an eye on to know when that cycle has turned? im: the fundamental economic health of this country. most of our business is in the united states. are we going from a gdp standpoint in creating jobs? -- and creating jobs? >> a lot of dislocation is occurring because of technology in fact