there are a handful of small banks like huntington, at lightbank. --i lightbank.ley, that gets their attention. their leverage ratio, which was one of the things the feds look at, comes within a percentage point of the minimum. that is still good. it is not that close, that you're not on the break. alix: it is 4.9%, right? close. itu know, it's is the yellow zone. if they wanted to buy back lots of shares in the next 12 months, they might have to grow that down a little bit and not by as much back. or if they wanted to double their dividends, they could only increase by 30%. it might require more tweaking within the next six days, but they are not feeling failing. it's not as scary. scarlet: bank of america has been under previous scrutiny. it did not do that well in the last 2 years in stress tests. yalman: one part that we don't see from the numbers is qualitative. the fed actually scrutinizes very carefully how their risk management systems are -- are they reporting everything properly? are all this divisions sending the data in the right way? and bank of ameri