banks, j.p. morgan in particular we got notes from conference call cfo marion lake at j.p. morgan saming functioned income performance this quartering typical of look fog make changes talks trading revenue saying quote we did pretty well, pretty well in the circumstances. so overall i think people are pretty much ultimately happy they knew trading revenue would be light, but it was lending that helped along as well. maria: a great point nicole we expected that we would see trading, volume under pressure because of lack of voiblt a that is what we got even though stocks are down, nicole petallides thank you. we will watch your roshth all day can we talk retail sales for a moment real tales expected to be up 1/10 of a percent you thought a good quarter you know for month of june retail sales down /10 of a percent worse than expected. >> are the apple of the reason why, you are right i do think going to be positive, i think what we're seeing a higher savings rate americans are start to save more, it was 5.3 -- 3 -- 5. % excuse me now 5.5% seeing that increase. >> staifgs are a it. >> savings rate people are not spending more, we are seeing consol