morgan stanley. i see that with jane fraser. >> let's quickly run through some of the other big cap names.rica? >> bank of america is -- jpmorgan is my second favorite name >> so that's not cheap >> but in terms of price-to-earnings ratios what is an 11 pe to 20 pe market all banks have been de-rated due to fears about rates, recession, regulation guess what each one of those are less, bad, or good. you can see rate reductions that have increased recession doesn't seem to be as much on the table. regulation, a lot will be rolled out. an 11 pe in a 20 pe market looks cheap to me. bank of america is also inexp inexpensive. we think some of their kind of changes to traditional banking lending come a little bit later this year, but i recommend bank of america as my goliath >> goldman or morgan stanley >> goldman over morgan stanley every day of the week. morgan is decelerating they did a great job under james gorman ted pick takes over now as ceo but they have desscelerating rae of growth, whereas goldman has pressure to perform now. they fell short of expectations, but i think goldman is pois