in terms of who's going to replace him, i would assume brian moynihan would be in the lead because liam mcgee just left to become the ceo of hartford. sallie krawchuk isn't in running in any way, shape, or form. and neither are the people who came in from merrill lynch to head up the investment banking area. so i would guess that brian moynihan would be the number one candidate. >> dick, by saying that, ken lewis stepping down is bad to have bank of america, does that imply they are in fact trading down by taking one of these possible successors and making him or her ceo? >> absolutely. there's no we in my mind about it. ken lewis was one of the most brilliant bank executives in this country. he's proved it over 20 years of making solid decisions. he's created a company which went from a nothing bank in north carolina to being the largest bank in the united states, with 12% of the nation's deposits, a number one position in a whole series of consumer and commercial products. for him to be pushed out on this issue is almost outrageous. >> hey, dick, it's joe. does this change the time fr