this is a trial that is going on for about 14 years, and there against josef ackermann.nk you for some -- thank you so much for sticking around and listening to president obama's speech with us. when you look at global banks, deutsche bank, credit suisse, all the banks are going through a tough time. it looks like there is no basis for the tough times. >> i think it has to do with the underlying business model. first of all, if you look at it simplistically, u.s. banks were generating 5%, because the european economy is still -- the u.s. is ahead of the crisis. secondly, the investment bank has been slower. example, ubse best was the first head of the curve that decided to go on a live usage,,th capital wealth management in investment banking, which is useful to --iety, which is ultimately restructuring and m&a activity in what are called simple fixed income trading. curve --ne behind the all of a sudden, unfortunately, on a weakening market. and hence the restructuring with the top line. francine: is there any value opportunity out there? i started analyzing credit suis