banks analyst, and only phone, charles p bardi -- charles peabody.hey beat the estimates, but year-over-year they are down in things like fixed income, commodities, and trading. allison: i give ago -- a year ago, fourth quarter was really but they are beating a low bar. beatingthat expectations, but still decline, i think the key is what we're hearing about in terms of the outlook, the early q2 outlook. are there any signs of hope? we did see key signs of volatility exiting the quarter. it is important for all the banks. but i would say that if you look at the declines across jp morgan , probably about in line with the expectations for citi, who reports monday. david: charles, you have a wonderful spreadsheet where you lay out what you are expecting from all of the banks. are you surprised at the upside here? charles: i am on the revenue side because it was driven by corporate and investment banking. but if you look at results by line of business, the corporate investment bank showed no revenue growth year-over-year and no net income growth year-over