for a peod of for five years from 2008 until 2012, our window olending was open. we are a healthy bank, strong balance sheet. we were lending and filling a lot of market share from t the other banks. that being said, today the biggerer banks are back in the marketet. they would like to steal some of ththat market share b back from, and it is up to us to create a value proposition for our customers and make them feel that we are a a large commity bank that isis going to support their needs, whater the for us.will put on >> spoken like a true business hahall of famer, which you are. stay with us, because for the nextxt segmement, he says that perfecectly. still l coming up, bob will be n e set with business mentor mariss levin. that is after the break. ♪ [ female announcer ] business travel isn't just about the going. it's also about the going home. and being connected all a along the way. whether you're working or recharging, do business travel on your terms. acela. take off. ♪ >> welcome back. one of the most important factors in the success o of any business ia s