but anyway, thank you very much, joe paulson, and jim duran of united capitals. >>> and as we reportedere could be a lot more turmoil in the markets tomorrow. two of the big banks reported earnings for the quarter. we're talking wells fargo and j.p. morgan chase. what will investors be looking for in the numbers, you know, when they look at banks they think about mortgage fees, loans, treating revenues, are these going to be the drivers of banking revenues or something els else? >> there will be, susie, and there is a little bit of something for everybody, a little bit of good and bad. the thing is, the banks are a barometer for the economy, the economy is getting better, loans are improving, spending up slightly. but trading revenues are expected to be negative. unfortunately, the weather hurt the banks as well as the retailers. they are not immune from this. a lot of people were not trading during the harsh winter storms that happened throughout the quarter. that alone could drive revenues down 10% as some of the big institutions. >> how much are the legal settlements going to affect