chairman, if the customer makes the-- a customer brings the case, right? right? so if a customer decides it's in his or her best interest, forget about studies. we also know what the consumer financial protection, what they recommended, they recommended that we get rid of forced arbitration. you said to senator testor you would not forced arbitration with regards to the fake accounts. do you remember that answer. >> yes, i did. >> there's an article, monday in september 2017 a short time ago in a case in utah, wells fargo lawyers have actually taken the position that the-- >> the senate is about to gavel in for a pre pro forma session. we'll come back to t

were reaching out to 43 million customers again, as well as tens of millions of customers to make sure they know about the class action settlement so they can be made whole for any credit impact. >> some of those actions required include the establishment of a compliance committee, carrying out a risk review sales practice risk and maintaining enterprise ride risk management and oversight. what is the involvement of regulators since the initial incident including in response to unauthorized accounts and the cpi issues? >> we have an active dialogue with the regulators, the federal reserve, the occ were talking about bank related issues. for example, as it relates to collateral protection or cpi issue, when that escalated in the third quarter we reported it to her regulators on a real-time basis. we been working to keep them apprised of the issues and working with the occ to make sure the remediation plan for any customer impacted by cpi is acceptable. as it relates to the fundamental changes i've made since i became ceo, the compliance we have done the following. we've centralize all o

chairman, if the customer makes the -- the customer brings the case, right? if the customer decides it's in his or her best interest, forget about studies. we know what they recommended, they recommended we get rid of forced arbitration. you said to senator tester that you were not applying forced arbitration with respect to the fake accounts. remember that answer? >> yes, i did. >> there's an article here monday september 17th, 2017, in a case in utah. wells fargo lawyers have taken the position that the forced arbitration does apply to those fake accounts. are you aware of that case? >> i'm not aware of that case, senator, i apologize. >> let me read to you from a reuters excerpt. they reported, in a motion on monday, lawyers for wells fargo said consumers signed agreements to arbitration disputes when they first opened their accounts at the bank. and those agreements also cover accounts allegedly opened without consent. that's directly contradicts your testimony, doesn't it? >> i will look into that -- >> if that is true -- >> i will look into that matter

-- >> if the customer makes -- a customer brings the case, right? so if a customer decides it is in his or her best interest, forget studies, we know what the consumer financial protection bureau recommended, that we get rid of forest arbitration. you said to senator tester you would not apply forced arbitration with respect to fake accounts. >> yes. >> there is an article here monday, september 18, 2017, a short time ago, in a case in utah, wells fargo lawyers have taken the position that forced arbitration does apply. are you aware of that? >> i'm not familiar with case. >> let me read to you a reuters excerpt that reported september 18, 2007, in a motion on monday where wells fargo said consumers signed agreements to arbitrate disputes when they open their account at the bank and those agreements cover other accounts allegedly opened without their consent. that directly contradicts your testimony, doesn't it? >> i will look. >> if it is true. >> i will look into that matter. >> if it is true it directly contradicts your testimony, doesn't it? >>

our view is that our customers' data is our customers' data.heme of things, even though it has become an interesting issue, there have not been many occasions of beennment being able -- occasions of government asking for the data, but for companies worried about it. when you encrypt the data and keep the keys yourself even if , the government tries to us, if they- for ask, we advocate on behalf of our customers. they have to come with a subpoena. in the odd cases where they may be able to come with a subpoena, if you encrypted the data and you on the keys there's not much , people can do. emily: where do you see aws and -- in the next five years? andy: we have been saying this for a while, i think we see it bear out in the market. of computingrity is going to be done in the cloud. -- very fewpanies companies will own their own data centers and they will have much smaller footprint. all of this is moving to the cloud. i think we are in the beginning of this shift. you can expect a lot of geographic expansion from us you , can expect huge investm

the customers and everybody else was taken to the customers and everybody else was ta ken to safety,tomers and everybody else was taken to safety, and that was about half past two this afternoon. and when you were told the news, what was your first reaction? of course, my first reaction was shock, but you have to be experienced, you have to understand the situation, and as a chief executive, it is my role to ensure that all my people, all the staff, all the directors and support managers are acting as quickly as possible, as professionally as they can, to ensure customers and staff are safe. instructions were given, and senior directors were on site within the first 45—50 minutes. we're just seeing within the first 45—50 minutes. we'rejust seeing some within the first 45—50 minutes. we're just seeing some footage which has been filmed, some of it, by people who were at a nearby soft play centre, who were told to evacuate, and we can see from our pictures and awful lot of families there on a sunday afternoon, enjoying the beginning of the school holidays, absolutely packed with childr

our view is that our customers data is our customers data.f things, even anugh it has become interesting issue, there have been occasions of government asking for the data, but for companies worried about it. what they do is they encrypt the data in when you do that, you keep the keys yourself. even if the government tries to get access to us we always advocate that they have to come with a subpoena and in the odd cases where they may be able to come with a subpoena, if you encrypted the data and the own the keys, there's not much people can do. you see aws and five years? years?five >> the past majority of -- the last majority of computing is going to be done in the clouds. very few companies will own their own data centers and they will have much smaller footprint. i think we are in the beginning of this shift. you can expect a lot of expansion from us. you can expect huge investment in substantial capabilities of machine learning and ai and connected devices. i think the database is radically changing or think customers are fed up and i th

more than four years after the time in question, many customers are still waiting forjustice.c news. the united nations says the world community must pledge more money —— to help hundreds of thousands of rohingya muslims who've fled violence in myanmar and sought sanctuary in neighbouring bangladesh. there were around 300,000 refugees inside camps along the border before august. since then another 600,000 have arrived. the number of refugees could soon reach one million, putting aid agencies and the bangladeshi authorities under immense strain. from one of the camps in bangladesh, clive myrie reports. for rohingya muslims who have escaped myanmar, neighbouring bangladesh is a land of second chances. these refugees, part of a huge influx we saw cross the border, are queueing for their first food supplies. with their pink ration cards, they are now dependent on the kindness of strangers. it can be a long, tiring wait in the clammy, humid air. best to do what you can to make things a little bearable. these rohingyas are the latest in a long line of victims of a sectarian and reli

for us, it is very customer focused.hould -- we are super passionate about the customer first approachimprovelieve it will customer experience, then we will work towards it. center ofalexa at the a bunch of home devices, or is it the center device in the home? ambiente alexa being an experience in the home. customers can invoke this experience wherever they are. we also see it going outside the house. we have announced partnerships ,ith automobile manufacturers so that alexa can be embedded in some of the cars. we also have partnerships for when you are traveling on business and you are checking into a hotel. so, we see this going beyond the home as well. emily: do you see home security as an area of interest? >> potentially. emily: what do you mean by going beyond the home? rooms.mobiles and hotel emily: amazon got a jump on the market, but now other competitors are there. is there anything that your competitors are doing that you find impressive? with a lot ofsed the innovation happening in this space. we are focused on building new features and experiences for our customers. we thin

active customers.e think of our customers as a non-amazon entity which uses our platform over the past three -- 30 days. they really span the gamut. most of the successful startups have built their businesses completely from scratch on top aws. these are companies like pinterest, airbnb, slack. over the last few years, the adoption has really increased with the cloud and aws. you see every meaningful vertical business segment using aws. if you're talking about oil and , and financial services capital one, in manufacturing you have ge. they have been using aws for a long time. they are moving 9000 applications to aws. technology, netflix runs everything on top of aws even though we compete with them in our video business. in the public sector, we have 3000 government agencies worldwide using aws. we just have a lot more customers in every imaginable segment than you will find elsewhere. emily: that was president of amazon's web services. coming up, we have more from our coverage of the geek wire summit.

you have this huge empire but you continue to talk about reaching the customer by focusing on the customeroduct, diamonds. kathy ireland: what i'm wearing today, these are our statement pieces. $2 million. $2.5 million. we also have diamonds by kathy ireland and it's $2,000 to $40,000. and something we finds that the g.i.a., they talk about the color, cut, clarity and carat. cost is another thing we think when we are designing. we have a patented setting that gives the appearance of three times the cut. maria: that's interested. a patented setting that makes it look bigger than it is. kathy ireland: we are working with our retail partners too. not very long ago people would not conceive of purchasing a diamond online. day it's everywhere. but we also believe that brick and mortar will not go away. ones that are successful are -- are innovating and offering their customers more. we are strategic with who we partner with. if someone comes into your store, they spend your associate's time look. they purchase online if it's within that same city radius. we share our proceeds with. maria: you a

we think our customers will benefit. one of the issues for many institutions or traders who risk inthe transfer of large blocks, one of the issues that came out introduced competition. exchanges have become complacent. technology was old. liquidity was not that great. there was a feeling that without competition, it -- performance was not going to improve. i think positive reaction from the market. that competition forced innovation and deep thinking about how exchanges are operated. it highlighted one issue that we see today with the european proposal. isolate poolsly of liquidity. it would maintain synchronicity in the process of many exchanges trading the same security. atomization, an ever shrinking amount of leverage. it gives us an opportunity to fix some of the things that could be completely taught through. competition in order to introduce improved performance by exchanges. by introducing fragmentation that created a lot of cost and atomization. atomization in particular meant average transactions went from -- s

those customers.uct authority, who commissioned the report under pressure from government, has been pressed by mps to publish it in full, notjust a summary to publish it in full, notjust a summary but it has refused to. to publish it in full, notjust a summary but it has refused tom has taken them a long time and they still won't give us the full report, which i think we ought to, as parliament, be able to see because, of course, some damning conclusions, nine separate areas where they have found major problems, and it is people's livelihoods, their businesses, the people they employ, who have suffered from this. after all all, what we are talking about here is gross injustice possibly to a large numberof here is gross injustice possibly to a large number of businesses, often small businesses up and down the country. better late than never but they deserved better. what is interesting about this summary of the report into mistreatment of business customers by rbs and natwest, which it owns, is not so

what do you know about how customers reacted ? we know you know about how customers reacted?m other areas of the park, there are lots of restau ra nts, the park, there are lots of restaurants, a cinema, we know other customers were moved away, they said staff were pretty calm. is it your understanding that customers were pretty calm, although this was obviously a pretty terrifying incident. it is, that you know as well as everybody else that the general public are very aware of what's going on these days, so anything like this, they'd take it seriously and with the training we give our staff, everything was put into place and the customers calmly moved away from the building and the police have done a magnificentjob in cooperating with us and the customers and without their help and expertise, there would have been more delay but everybody gelled together and as a result the individual has been arrested. for people who haven't been following this all afternoon, could you describe to us how this incident started earlier this afternoon and what the first was that you and your s

so customers will come. they'll shop for that, those items that are on sale and usually add things to their cart at full price, so we're not losing. >> that's fun, also. it gives people a reason to keep coming back and be excited about what's coming next tomorrow. >> exactly. >> that's a great idea. thank you so much. i really appreciate it. i know you're an expert about this because you do it all year round and particularly now. talk to you soon. >> bye-bye. >>> even some of the most intelligent people with the best intentions can be terrible managers. being a good leader can take a lot of patience, a lot of practice, and in some cases, some serious soul searching. here are five ways to improve your leadership skills right away. one, swap jobs with your business partner. this can be a great way to drum up some new ideas. you don't have to hand off every task to your partner, but switching roles could help inject a little creativity, momentum, and motivation into a routine process. two, mystery shop your sto

i am a good customer and i want to be honest, i can upload this picture of a ford. see, itthat you will will say i have all the information i need to provide you this quote. it will take that back and start thinking, you have to give it a moment. it is pulling together information about me to figure out what it would charge me. it gives me the quote and i say no way, that is way too expensive. i am notink about that just saying now i am offended. this is where the lot has done all it can and it will bring in a live agent. -- she canll have have the dashboard of dynamics so she can work that but give recommendation saying this person has a risk, here's how we can get them back in our good graces. washington,re in how do you see government agencies using this? 311, you think about nonemergency services, there is the phone lines and they went to a customer center on the web. there is a big event that occurs, rather than having to call the call center what you website is go to the and these are the top five common things whether it is a need toticket or i provide inform

we do not have enough women who our customer facing reps to serve all the women customers to come in. they say that because they presume women are better money managers? you would agree with that? abigail: they might be thinking that, but they might be thinking, i am just more comfortable talking to a woman. we have studied women as customers compared to men as customers and they are really quite different. women tend to underrate their abilities as investors and be financial stewards of their own financial situation. they tend to describe themselves as beginners, even though they actually really know more than they give themselves credit for. they tend to be more methodical studiers and learners of of financial information. very often they believe that a woman would be easier to talk to about something that is as personal, and potentially complicated as their financial situation. david: talk about the difference between building a company and going into one where somebody else has built. what is the different type of pressure? if you build a company, you can say i did this on my own.

the customer knocked items off the counter and two employees rushed the customer. owner standing outside joined in. eventually the customer had handcuffs and was held until the police arrived. i spoke with the customer by phone. he told me he thought the owner of was a police officer. >> he put me in handcuffs. [ inaudible ] >> so you were thinking the guy who handcuffed you was an officer but it turns out it was the owner of the store? >> yes, ma'am, yes, ma'am. >> although the incident happened in august, calls for the store to lose its license are gaining steam with more than 5,000 people citing an online petition on facebook. how does that feel to hear people responding to what happened? >> it makes me feel like i have a family. a family that i don't know about. >> that was tracee wilkins reporting. she spoke with the prince george's county police who told her it is perfectly legal for a detain someone in their store until police arrive. but we have learned that charges against both the owner and the customer have been dropped by the state's attorney's office.

. -- as a customer.o have a couple of representatives who work as a team, who call me several times a year and take me through the portfolio. we talk about what is going on with the different funds that i am invested in. of course i go through other -- of course i know through other avenues, but i want to hear from them, how they explain it. it also gives me a chance to ask them questions. david: you are on many lists as being one of the wealthiest people in the united states. does that upset you when you see those forbes lists or bloomberg lists that say you are one of the wealthiest people and how do feel, and -- how do you feel, and how does that affect your life when you see numbers attached to your name? abigail: i just assumed not to see a lot of numbers attached to my name, but that is probably inevitable of what happens in the world today. people want to speculate about things and people seem to like putting numbers next to people's names. i do not think that reflects anything about what you are

losing a customer in this sense is good because it brings more customers and shows that this app is successful is that what you say that's right what about the algorithms that they use they really good at they really that good at finding your future good and finding a good. match just by using a lot of question about you your personal life what your interests and what your life what you dislike but it's not very important that they're in the psychometric sense very precise so it's very easy in fact very easy for platforms to build those those algorithms course it's not important to know a lot about psychometric matchmaking and all of the dot of that is collected should we worry about that as consumers that i think it's in the eye of the of the customer if he trusts the provider of his matchmaking can become an addictive type of business people i think there are people that now people who have a very large motive for actually ation and for finding new people nope new partners i think for these for these people to be addictive and the stigma that used to be attached to online dating h

of customers reaching out to other customers.nd it's at that skill where we're paying off >> i know we're not at a level to talk about customers but we're talking about it on tonight's show boy comhas been an inquistive company. what does workday do wen they come in and how quickly can you do it versus the other guy >> so, for a company like broad come or any other companies doing mergers, we got companies like pfizer that wen live in the middle of a merger within the span depending on a project of three to four months they can move that acquired company on to a workday platform or in the case of ebay and paypal when they split, that are able to split it within two companies on a workday within a matter of two months >> i sure wish i could tell people how long it takes to do the other guys but we'll let them find out. ceo of workday, thank you for making the time from workday to speak to our viewers, appreciate it sir >> thank you, jim. >> okay. that company's been remarkable "mad money" will be right back your brain is an amazin

customers.appy shareholder, share price, the progress of our company in the last eight years has moved amazingly to top-tier in the industry. we think decisions about capital raising, decisions about investments all lead to one thing, performance. ,f you perform for your clients you should deliver liquidity they need, the service, the products they need. if you innovate. lse has been a fountain of innovation in the last nine years. that was the london stock exchange ceo. next, we talk the banking industry. mounting challenges and opportunities. this is bloomberg. ♪ ♪ welcome back to bloomberg markets, rules and returns. i am nejra cehic in london. the future of banking. mifid ii is not the only regulation that could reshape the industry. d2, it has the ability to break down monopolies on consumer data, people would be able to use third parties like amazon to make payments without having to be redirected. does this mean banks will no longer be competing solely against banks but anyone offering fi

it's hard dealing with custome customers. >> the guy should be in jail or sued. >> reporter: some customers believe behavior like this will only come back to haunt the customer in the end. >> the same person threw the coffee on, if he can throw one back on him i guarantee he won't throw it on no one else. rethink it. >> it does appear the male had business in the store. he may be from the area. >> the 30-year-old victim sudden superficial burn. the suspect was wearing glasses an yankee key cap. police believe he's from the same area. lucy. >> thank you dave. >>> man and woman are recovering after someone shot them in old olney section of philadelphia. skyfox was on the scene about 7:00 tonight. both at temple university hospital and stable. so far police have not made any arrests. >>> a southwest philadelphia man who always loved taking walks has died after a hit-and-run. his neighbored called him unc he was walking across 67th street last night when a gray mini van hit him and kept on going. threes are searching for that driver of the mini van although they know for certain that the impact

are you seeing your customers want to go spend more?tonomous cars and cyber-security. but are you seeing a change in terms of how businesses are spending? mark hurd: there is always a lot of rigor around particularly how big companies spend money. a lot of scrutiny on what the return is for this project or that prong. i would not say that has changed. i don't mean that to be a negative statement or anything other than there continues to be scrutiny over how people invest. i think in the case of cloud, because it has characteristics of overall lowering total cost of ownership for a company. it tends to be where you see a lot of prongs moving forward. most of companies are trying to move to cloud first. many companies have a lot of applications and capabilities that right now can't move to cloud as fast as others. most of our customer environments are hybrid environments. cloud environments typically get approved more quakily than what we have seen in the past. maria: you are cutting costs in half compared to amazon. 100% more reliable. h

rbs could face further action over the way it mistreated some of its small business customers.he widow of an american soldier says president trump struggled to remember his name when he called to offer sympathy. it made me cry because i was very angry at the tone of his voice and how he said it. he couldn't remember my husband's name. the un says the global community must pledge more money to help hundreds of thousands of rohingya refugees who've fled myanmar. and, the only painting by leonardo da vinci still in private hands will be sold next month. we take a closer look. coming up in sportsday on bbc news: everton are on the lookout for a new manager. ronald koeman has been sacked after two premier league wins from nine this season. good evening. the prime minister has insisted there's a new momentum in the brexit negotiations, following last week's eu summit in brussels. theresa may was reporting back to mps and rejected labour's claim that the government's approach was chaotic and lacking clarity. mrs may's also been warned — by major business groups — thatjobs and investme

>> we are able to work with our distribution system to provide that power to our customers. we still have work to do with damage to our transmission system. we will be replacing polls and restringing wires and that kind of thing. there will be a lot of work that is still ahead to get the system back where it needs to be. but honestly, the priority is safety and getting the electricity to our customers. >> last question. odyssey the concerns are with windstorms like what we had last week and trees falling into power lines. what are you guys doing to make sure that something like that does not happen again?>> honestly, as we restore customers and make repairs to our infrastructure, we do have vegetation crews out there to look at the damage that perhaps happen to the trees and obviously we want to always make sure to keep trees and limbs away from our power lines.>> thank you for the everett -- thank you for the information to that.>> that is good news. power and gas coming back in the next few days. >>> coming up, a suicide attack in somalia date killed at least 300 people. >

that allows customers to attend one film per day. taking a look at the company questioning how it can make money and hold onto partnerships with theaters. the previous president of the red box and executive of netflix joins bloomberg television to explain why he is confident confident about the company's future. >> people really want to go to the movies more often, especially millennials, they do not like the transactional model. they grew up with netflix, amazon prime, and they love this concept of trying movies but not committing. a subscription allows you, kind of like movie insurance, i can and havets of movies to stress whether it is a great movie or not. >> but it is deal $30 a month and it means that you can watch as many movies as you want, but at the same time, if you watch more than three, you would be making a loss. how fireball is your profitability in the long-term? >> it is a better price, it is only $10 a month. >> oh, right. >> the subscribers we acquire are those who previously wants to 3-5 movies a year. after they

we saw that really the top level of walmart customers, costco customers and kroger customers all wentwhole foods. whole foods did not attract that lower demographic that everybody was expecting when amazon acquired whole foods. it really says that amazon has a lot farther to go. it has more price cutting to the to really learn those people. the reason is that whole foods is predominantly located in wealthy neighborhoods. to incentivize people to drive distances and go to a wealthier neighborhood, the prices have to be much lower to get that demographic. shery: until we see more price cuts coming from amazon, probably foot traffic i has peaked? olivia: i would say for traffic has definitely the. peaked. it was 33% new customers that week and that sort of tapered down. it's about a 4% increase in new customers now so it has peaked and they will have to make significant price cuts to learn more people in. vonnie: any way to know whether it was just the one time visit out of curiosity because of the massive price cut on certain things and why not? olivia: we think absolutely that there wa

a police inquiry has been launched into the way rbs treated its small business customers. oxford and cambridge are accused of social apartheid by a labour mp who says most students are from a "privileged minority". and on newsnight this evening, we put the question "how is brexit going" to a panel of voters from sheffield. the results may surprise you. good evening and welcome to bbc news. eu leaders meeting in brussels have agreed to start preparing for trade talks with the uk. but, as expected, they've said they can't begin formal discussions on post brexit trade relations because not enough progress has been made on other issues. theresa may says she remains "ambitious and positive" about securing a partnership with the eu. the so—called divorce bill remains a major sticking point. the prime minister did not name any figures but indicated that in order to reach a deal with eu leaders, the uk will have to pay more than the £20 million already promised. from brussels, here's our political editor laura kuenssberg, and just to warn you her report contains flashing images. f

you need to entice these customers from loyalty programs.oing in the morning is much cheaper. that is where we priced it at $10 a month, we wanted to attract young people who will go more often. >> how much more money will you need by the end of the year? lowe: we will need much more money. there are so many other things that you can do with your entertainment dollars, so we need to find growth. the first people who joined the program are in high-cost markets like new york, l a, because they see what an amazing deal it is. or people who already go a lot. so it will take a few years for us to get to positive cash flow. >> are you going to the popcorn business, any ads, anything on the side? >> yes, we get our customers to go twice as often, the purchase -- they buy 120% more of the concessions, they get to go to nearby restaurant, use uber, and the movie distribution system is broken. $50 is our spending 5000 -- million to $100 million marketing a film and we can do that better than any other ways. we collect revenues in many different areas.

i spoke with the customer by phone. he tells me that he thought the owner of the store who handcuffed him was a police officer. >> the guy put me in handcuffs. the guy that was in the store when it went down. >> reporter: oh, so you're thinking the guy who came in and handcuffed you was an officer, but it turns out he was an owner of the store? >> yes, ma'am, yes, ma'am. >> reporter: organizers have held protests like this one at the shopping ten ter asking the public to support closing the store. although the incident happened in august, calls for the store to lose its license are gaining steam with more than 5,000 people signing an online petition on facebook. how does that make you feel to hear people in the community responding this way to what happened? >> it makes me feel like i have a family, like a family that i don't even know about. >> against that customer and also the own 0er of the store have all been dropped. i went to the store and asked them for comment. they directed me to their attorney who has not ret

i confirmed the company sent many affected customers o custoe letter. if you are an impacted customer and haven't heard, let me know and i'll pass away your information. >> did we say nydia han gets results? >> we try. >> bruce willis was in town tonight for an award at the film festival. they are currently working on glass. willis grew up in carneys' point, new jersey. >> let's get the accuweather forecast for the area. >> the area is getting chilly out there. the action cam on south broad street looking for bruce willis tonight under clear skies and tumbling temperatures. live on sky 6 commodore barry bridge. the winds have diminished leading to a cool night. frost advisory in effect for the suburbs. the next two day, it warms up, tracking rain. it will occur over the weekend. looks like it will make the eagle game damp. wilmington 47-degrees. now i'll move to show you satellite and radar. we had a trough through earlier today brought clouds and scattered showers. we have high pressure building in, clearing out the skies, calming down the winds. tomor

in this case is as a, this is a case for the customer has already provided information. i want to ensure this part of my daughter. despite my best. [inaudible] selectively quote the ford. okay analyses of ford taurus. in this, i will upload a photo and just to keep things interesting, this is demonstrating ca computer vision capability. i upload an image and i'll do so but i'll throw in a non- card to see how it reacts. i threw in harry potter and not only did it recognize harry potter but it also describes what he's doing. it's not perfect but the computer hasn't been taught to know what the differences between a want or assigned. i'm a good customer and i want to be honest, i can upload this picture of afford, and as i do that it was okay have got all the information i need to provide you this quote. now takes a back and starts thinking and it's pulling together information about me to figure out what it will charge me. that they get this quote in snl where, that is too expensive. now, if you think about that, i'm not just saying no, i'm really offended that that's so

it was so impressive this last quarter, the customer loan growth that you guys were able to put up. by the way, i'm a shareholder since 2014 i believe in the company. >> thank you. >> just like buffett i continue to think you guys are doing everything right how does the loan growth look to you going forward from here as we start to see the ten-year and all the rest of the movement that we're starting to see in the bond world >> well, we see -- if you start from what drives the economy, the consumers do we've seen year-to-date consumer payments, cash, checks written, debit/credit cards are up, 6%, 7%, which is almost twice the rate they were up the last couple of years year over year and that's through ten months almost the consumer will drive that economy. loans will follow that our jab is not to create the economy, our job is to facilitate it and provide the grease that makes it happen and our loan growth is reflecting that capital markets are wide open so that puts pressure on people, but that's part of the flows and we do that business also so i think you'll see good, solid mid,