a roomba for your yard. it is all about the financial factors at the close of trading. five banks have failed the federal reserve stress test. citigroup and u.s. units of rbs, failing because of qualitative concerns about their prophecies -- processes. interesting terminology. michael morris is here with the details. talk to was about what this means. we have gone through them before. what do they mean? >> at started in 2009, a focus was about capital levels. as capital levels have come up across the industry, what we are seeing is a focus on the qualitative issues. risk management, control, how these banks are going through their capital planning processes. you solve this year for banks turned down their capital plans because of concerns about the most prominent bank, citigroup. >> the most prominent may be the most egregious. here we are, how many years at the financial crisis, and they can't get it right. >> it is a big issue for the ceo. he was brought in to be the details guy. then this is a black guy for that -- black eye for that. citigroup has not brought up to