the matter of time, the big thing was getting out from all the litigation costs which i think brian moynihane ceo, has done. i think it is, if you talk to smart people on wall street they say it's a lay-up. this thing is hitting 20 this year. that is what i reported last year. the thinking this year it would hit the 20 bogey. next year maybe 25. melissa: okay. >> here is the real question, from a management perspective, maybe jack should weigh in if he is still on the line, theoretical that brian moynihan would stay a lot longer because of that the ceo. i hear a lot of people talk about him leaving once he gets problems behind him. he is, more of a sort of lawyer, he is a lawyer. much better at managing the problem then he is managing the growth of the firm. melissa: we'll have to leave that question for another time. good stuff, thanks guys. >>> economic game-changer. 2/3 of the goods in the u.s. are transportedgy trucks. now, german automaker daimler-benz is envisioning a future with more hands-off approach. jeff flock has the exclusive look at the new self-driving big-rig. jeff? >> i do,