olivier blanchard, thank you. --y really don't look at delicate question, speaks to the impatience of clearing the markets on the european banks. the professor did not want to go there but that is front and center with what we saw this morning with commerzbank. likely he said they are to decrease rates on depositors. tom: negative rates have not followed through to the depositors. vonnie: he was pretty optimistic on productivity in the immediate term. it will be a good decade of productivity although maybe not straightaway. tom: what he says in his research note which is so is thatt for viewers, economist never know how to get out of the malaise of productivity. essentially, mathematically, it just happens. you don't know when. vonnie: that interview will be available online and as a podcast as well. to give you an update on john stumpf, testifying in the senate. the ranking member maxine waters who said it was a very personal and close to her heart situation because many of those impacted our constituents -- are