>> well, i think when you look at the finishing omc minutes that were released -- fomc, it pretty muchou what you need to know. banks are well capitalized, but their customers are really struggling. then you throw in the low interest rates, and they're just not going anywhere. at the same time, you have this kind of economic risk reflected in the bank stocks, you also have earnings risk. first quarter earnings are basically over now. companies like apple and netflix really delivered some decent numbers, but now we're heading into second, heading into the sec quarter, we're going to be seeing second quarter numbers. at the start of first quarter earnings season, second quarter earnings were supposed to drop 25%. now they're expected to drop 43%. investors are looking through that right now. i think they expect earnings growth to get back to 4-6%, and for margins to hold steady, rates remain low and dividend yields for the s&p 500 to stay around 2%, but that's a lot of stuff that has to go right. if any of it goes wrong, we could be in trouble. and that doesn't mention other things like