along with bronstein, a number of heads at the different business segments have spoken. among them, todd maclin said the retail branch is going to be moderated slowly because it's not necessary at this time. but digital and electronic transactions are being promoted. 90% of the transactions are done electronically or digitally. on cards, gordon smith forecasting moderate to little receivables growth this year. he said not only for jpmorgan but for the industry as a whole. and then lastly, the firm is very committed to the mortgage business even though they're going to have unrelled losses through the end of the year. they believe this is an area that can make money. back to you. >> thank you very much, mary. >>> now a report card of sorts for the car industry. it was released just minutes ago. "consumer report" put out its annual car rankings. there's a bit of a surprise at the top. phil lebeau has the highlights. >> reporter: subaru is the number one automaker, according to "consumer reports." these guys have steadily been improving. and in 2012, they're at the top of t