alix: we will have more with betsy graseck next.omberg. ♪ ♪ alix: earnings focus, all about the banks on friday. still with us, betsy graseck. give me the large-cap banks, what is your favorite? betsy: we have three top picks. it is really sourced around money centers and consumer stocks that we cover within the money centers. jpm goldman. within consumer, discover. alix: why? flush out the thesis for me. betsy: on the money centers, it is about deregulation. we all know the fed has been out there with their proposals to change some of the rules around see car, some of the capital roles, they may be tweaking around the edges on volker. we think that will drive more activity in the capital markets and we are above the street. as we look into 2019, our estimates for the money centers are 5% to 7% above the street. that is the thesis around the capital markets stocks. two top picks, jp, a very well-balanced business model and lots of management to come in particular. on goldman, it is more skewed to some of the benefits with deregulati