tim holland, this is the financial sector. as they stay pay penance for financial fiasco of five, six years ago. would you buy the big major banks right now? >> i think the sooner the big banks can put these issues behind them, bill, the better off for credit, the better off for lending. but where we've positioned the diversified equity fund and our small cap fund is more toward smaller banks, below the $10 billion in asset threshold. the less touched by dodd/frank and regulatory regime that all these banks, especially the big ones, are now living under. we just see greater opportunity still down on balance than up, the cap spectrum. >> does everybody agree with that? what about you, leo? what's your take in terms of what we heard from jpmorgan and this settlement? if there's more to come and whether you want to start buying this stock again after all of these legal issues. >> well, i'll concur with a statement of fact. that statement of fact is that the banks are going to do it again. they continue to go through one problem,