gerard cassie, rbc. i think jimmy diamonds of us on j.p. is no pricing power in this industry. when rates are higher, you have to give a higher rate. smaller banks, it is harder for them to compete. >> plus, you have the overhead. if you are smaller bank, you have a but of hard time being efficient. >> it is j.p. morgan and every other bank on a performance basis. if you don't know j.p. morgan you are wasting your time. regional still have not bounced as much as you thought they would. everyone is waiting for that balance. it really does not seem to be coming. people are putting their money into those big money center banks. j.p. morgan has won the lion share. it is too easy to just switch your funds out from your phone into a j.p. morgan. why not do your stock investing and leaving with j.p. morgan and have everything under the sun ? >> it is -95 inverted. it is not a great environment. what i cannot reconcile is when you relax the headlines of how good some of these bank earnings were on friday, the price action from the stocks was atroci