stephen morris. diamond interesting -- was an american investor and here is mr. jenkins- we are americans and investment banking. stephen: it looks like barclays will take the gamble that he is the one to sort out their investment bank after antony jenkins failed to get to grips with it -- obviously a very different person, a different background for barclays being run by the investment bank. francine: do we think he is the right guy for the job? it's is a catch 22 -- if they don't have an investor banker, they don't understand business. if you do, it will be tough to cut down on the bank. stephen: it remains to be seen what kind of role he is brought in to do. he will chop the investment bank down to size, or has he be brought into champion the unit and turn it around to make it a big player again? suisse is chasing after well. what is going on? piers: one thing we need to step back from that has been quite a change philosophical he up barclays -- if you had a recent contact with them specifically as consumers, the face has changed radically, and we have done a lot of s