tom: jeff immelt with the persistency along with the rest of the stock as well. rhodes, i am going to say you and henry kaufmaned this. you said there would be banks that would be leaner financial companies, by ge financial, that would go somewhere else. is the future of your banking the selling and shedding of assets? is that good business within the general sense? bill: ge made a lot of sense the margins were very high. i think jeff immelt is looking at a new scenario, the new world that we are living in, and deciding that that capital can be better deployed in manufacturing and industry, and i think he is right. tom: he can give to john rice in his international shop, or go over to also -- or go over to alston. they do not have that luxury. they do not have an industrial backstop. are you taken aback when you see 9% reductions by shedding of assets, whether it is hsbc, standard chartered, or measured reductions at the american banks? where will jamie dimon, brian moynihan, and others be in five years? bill: they are trying to get down to their core businesses and make money. during this period, starting wit