matthew luzzetti is with us from deutsche bank. in clearing the markets and getting to a better american banking system. matthew: that is right. from a resilience perspective, banks can absorb more shocks than previously. from the fed's perspective, that is a reason to think that this recovery can continue. i think of interest is the fed now has the macro prudential tools as well, the cyclical capital buffer. voted to raiserd that and others want to raise that as well. that will be an interesting question over the next year -- if our economy is continuing to grow over to percent and inflation is not coming through but equities are higher, is there risk where the fed wants to use these macro economic tools to raise the cyclical capital buffer? guy: within the numbers that we are starting to see the consumer wobbling. employment numbers in the u.s. -- the economy looks robust, but some elements within the credit stories delivered by the banks because a little bit of concern. matthew: i think you get a bed of a sense of that, and you c