circumstance of a collapse, the common circumstance of a ricochet whether big money center banks like cbacalso met, pru, travelers, goldman sachs, morgan stanley. concerning how poorly those major brokers act, literally making new relative lows to their sector and that's the leading edge, in many ways. the whole thing -- yes, rates, we know that's the story but the whole thing is heavy, where in a technical part it doesn't act well. >> one point, i'm not saying we're on the cusp of the 2008 bank thing if you look at the valuations, exposure to risky assets in investment, it doesn't exist it doesn't exist the way it did in 2008. that's not my point. looking at citigroup, it sold off to $50 last month, for a whole host of reasons that we've been talking about for months. there's a good chance it could happen again if some of those reasons come to pass my point about mentioning that regional bank is that, okay, these guys have the foresight that they're going to make this really killer, the sixth largest bank maybe. who knows what is going to happen when we have forced bank mergers in europe.