jeff hart joins us with a preview. jeff, good to see you. >> good evening. >> you say, and there has been much speculation what the impact could be of volatile commodities as well as more specifically decline in oil prices. which ones could see the most impact? >> well, i mean, there is really two areas that could impact. the banks is one of the credit lending side. i think it's too soon to see problems there. they could develop down the road. but the loan exposure isn't really too bad for any of the companies. the other side is a trading operations. when you get a sharp move, that could cause trouble for market makers. as you look at this quarter, it will be one of the things that weighs on goldman sachs and a morgan stanley more where commodity trading is a bigger part of their fixed income trading business. not to mention credit has been tough too. it's relatively big for them. they don't have much from muni which has been one of the bert quarter spots. we should get relatively good results tomorrow. but more so from

jeff hart met with management and said the management feels it's confident with what it believes is faretter information and communication with regulators this year over last year. investors, though, believe citigroup's proposal will be modest because it wants to clear the bar. guggenheim estimates jpmorgan may have to lower its expectations, but goldman sachs will she improving or high sustained high capital return. but of course we won't know until march. the process has been criticized as opaque but we do know many of the hypothetical scenarios. unemployment hitting 10% here in the u.s., ten year kreelds in the u.s. at 1% the dow below 9,000, and gdp contracting in a signing gel quarter by 6%. the big wild card is the move in oil prices. analysts are wondering whether the fed will now use oil prices in part of its calculus. they outlined a scenario where brent prices rise to $110 a barrel. so that is obviously the opposite direction. i just got word from a source that only the six biggest banks who will undergo the global market shock will be tested for oil prices moving in the other

jeff. >>> well a family wait eded for three years for the stolen dog to come home, and we will show you the heartfelt reunion coming up. >> and we have jimmy. >> and kevin hart is here for slap chat, and megan treanor, and we will have that on next. >>> take a look. you know what this is? it is one of the cameras around the a area and it is a bird watching its own reflection. >> and simple and free to ward off diabetes doctors say that walking can save your life. a cambridge university study said that walking can add years to your life. the study followed more than 300,000 european men and women over a 12-year span. they say that lack of exercise kills twice as many people as obesity and found that a 20-minute walk would reduce a person's risk of death by 30%. >> everyone inspired by the project, and encouraged them to find their own dawn wall because what is interesting about this project is that itt has elements that everyone can relate to. it is a big dream, and it takes a lot of hard work to make it happen. >> even if you don't climb, go face your own personal challenge is the message from the rock stars, the two climbers who conquer the dawn wall, one o