and brad hintz, thank you so much. i want to get you back soon as we look at utility banking. saying we are going back to a more basic -- brad: that's right. tom: we are there. brad: you are seeing these banks make the changes. slowly, but we're making them. tom: futures up 22, dow futures up 1.87. "bloomberg " will continue the discussion this morning. gary shilling with us tomorrow. ♪ matt: a surprising loss at europe's biggest bank. the great big split. johnson races conservative --nterpart, david cameron, for goes all in on self driving cars, planning to triple its investment. we will hear from the ceo. matt: welcome -- matt: welcome. it is -- stephanie: welcome. -- : he is stephanie: you my friend, are with us in the u.s.. jon: happy to be here. lots going on in the market this morning.

brad hintz with us on america's banking. ♪ caroline: welcome back to "bloomberg surveillance."g south in europe, up 5.6%. .6%. by we have these stocks -- we have a bit of a turnaround in the risk elements side of things. volatility suddenly turning to the green. the pound tracks lower as we seek a deal in brussels, exhausted men and women in this second day of negotiations. there is a better return on gucci now. let's head out to the first word news with vonnie quinn. vonnie: david cameron is running into resistance as he tries for a deal is for you k's membership in the european union. a second day of negotiation brussels. putants an agreement he can up in june. eastern european leaders do not like his demand for welfare curbs on non-british citizens. cameron wants a plan that protects london's financial industry. the greeks have been accused of doing too little to seal up orders. one million more refugees are expected this year. germany will take in the bulk of those. pope francis is willing to relax the catholic church's opposition to artificial contraception. he thinks wome