mr. wallison if i may on statement 348. i agree with most of what was said there including the amendment by mr. pollack. but with respect to the transparency side of it in the days following the settlement and the publicity about the settlement, jpmorgan's market cap went up and stayed up for several days after that. without this transparency there, why did this happen? do you have any explanation of that? >> resolution of uncertainty. that would be my answer, the resolution of the uncertainty. the market reilly thought, i think, that it could have been a heck of a lot worse and jpmorgan had now settled almost everything that was likely to happen in the future some that probably made people feel somewhat more confident about the bank and that the fact that the bank could pay a 13 billion-dollars fine and series of fines and still be profitable was similarly impressive. >> there is with a similar bent in the late '80s when city corps set aside several billions of dollars against potential losses in its portfolio of country lo