saysovernor mark carney this is a demanding test. core of theshow the bank is significantly more resilient. that's the point. one of them essentially failed. looking at a word it is the cooperative bank. mostnd lloyds has the exposure to the united kingdom in terms of housing. in these stress tests, that is the core of the issue. they were extreme in terms of the demise of house prices. a couple of things i want to bring to the viewers attention. rbs and lloyds have been raising capital. to a certain extent, they trumped what they were asked by the bank of england. in the body of the report, rbs and lloyds had a page per bank. they are susceptible to severe economic downturn. that's the essence of it. another question is standard chartered and hsbc. traded at 360.le i know the bank raised rates. the message from the bank is this. these things have been stress tested. extremee a buffer in an financial situation. that is good to know. >> let's continue that conversation. where does this leave the u.k. banks relative to their global ear