catherine doherty and allison williams here to cover the banking sector for us. let me start with you. from the 35,000 foot view, what two earnings look like to you considering what we got today? >> they look good but the looking good is backward looking. we had a fair amount of interest rate change since then and the most positive thing that we got today from bank of america was the net interest guidance for 2024. not only are they guiding up but bank of america has been hesitant, talking about the uncertainty, only wanting to get one quarter out and the fact that they are looking out and saying not only does it look good but next year, it looks strong and that is what is happening shares. goldman sachs trading, in my opinion, i think the strong trading really shows that they are keeping competitive where it counts so this is the business that they are focusing on. there is a lot of noise in the quarter as they trimmed down the consumer effort. i don't know any investors -- but trading revenue, even though it tends to be a lower multiple, will drive book value a