but the money center banks, the jpmorg jpmorgan, bank of america and citibank they may have a lot ofhe good news in the near term. i want to look at citigroup. these are the year to date -- citi is up 2%. and jpmorgan is up 12%. that's the one i want to focus on. but i need your take. >> for this particular week, we can't ignore the fact that there was a real bid higher in bonds, sending rates lower. >> well, i mean, as dan was pointing out, one of the issues of course for a bank is how they make their money. what rate do you lend at, what rate do you borrow at. that's what the net interest margin is trying to figure out and the yield curve has flattened since december. it had steepened, and lately it's flattened since that time, not so good for banks. the other thing is that the st. louis fed has been coming out with lending data. we aren't seeing commercial lending growth. we are seeing some distress in the auto lending space. the one bright spot for citi is costco. because american express lost their exclusive with costco. they have a million new customers from that. but there are