shery: tim buckley, it was great having your insight.ou very much latest on coal and the australian industry. director of energy finance studies at the institute for energy, economics and financial analysis. coming up, the big u.s. banks are set to report. whalen global advisor chairman chris whalen tells us what to expect. this is bloomberg. ♪ haidi: big u.s. banks are preparing to report and not taking chances when it comes to potential loan losses. analysts are expecting they will set aside another $10 billion for bad loans. let us discuss that with whalen global advisors chairman chris whalen. loan loss provisions have been steadily what we've been looking at since the start of this pandemic. have conditions worsened that will see an even more conservative approach on this? this is a different crisis than 2008. markingd ask me we were mortgage securities in all this stuff. this is basic credit on loans and bonds and commercial real estate. it is going to take time for the visibility oneal what the actual costs is going to be. you als