. >> now, annamaria, there have been some trimming of ambitions i guess in that business, some layoffs there, some concerns about, you know, whether the apple card biusiness is going t be profitable. you cover goldman what do we think is ultimately going to be the scope of this business, whether, in fact, it stays under the regulatory sights or not >> a few things to think about first, they are already backing down on several different elements of their consumer business they're winding down personal loans. they are not going to move forward with their ambitions at least on the large scale, they were planning to do that and then you have the credit card division. things there become trickier you can't just pull the plug on something where a partnership exists apple as well as gm, the green sky acquisition, how do you pull back on something you acquired not that long ago. this also really points to how complicated consumer lending, credit cards, consumer banking in general is. consumer complaints can go a long way with regulators goldman already disclosed last year that they're under in