the capital markets business manatt the same as the second quarter, but stays elevated. you have seen some green shoots with the economy. the payment activity should be better, even if it is not accelerating at quite the same pace as before. fees are good and traditional banking revenues, net interest income, is bad. vonnie: we had an announcement from citi. jane fraser taking over next year. give us your thoughts. hangry at citigroup, meaning i am hungry for more information as to why they had this regulatory consent order announced last night, and i am angry that the deficiencies in the system for not shared with investors sooner. but i think there is a silver lining to me and other investors being hangry, and you have an activist in the stock here. it gives anining is extra sense of urgency for the fraser, to go zeead and mckinsey-i citigroup. she is no stranger to acquisitions and divestitures. personally as i have said over the last decade -- and i've been on your show talking about it, too. it is time for citi to sell its non-us consumer businesses, starting with a