jeff hart is the senior research analyst.to see you. >> were just talking about guidance. what is your sense of what the environment has been light for banks? what will the guidance sound like? >> we get two things out of the guidance. it is good to be conservative. the second, i think we will get some problems with credits. [ indiscernible ] we looking at how bad can they get? one of the big focal points with investors? i don't know if we will get much for answers. >> we talk about the yield curve converting. doesn't make that big of a difference? are you watching that for your forecast? >> not so much so, the back review is tough. this is a tough place to be. we tend to look at the five- year lead. this gives you a better sense of how this affects the bank. >>> hey jeff, interesting plant over your shoulder, by the way. >> in terms of the breakdown between the regional and the money center banks, is one better prepared to weather this timeframe? look at the potential losses, i think i know the answer. is there a way to be t