 Morgan Stanley shows you the power of the model of wealth management when executed well by James Gorman. They're doing in wealth management when they bought that, when they decided to emphasize that division. They were making in a year what they're now making in a quarter. This was a superbly, superbly executed quarter and I think that James Gorman is going to be what may end up being the star of this banking season. I have felt it might be PNC, it might be my core batted city but in general I like the bank earnings and I'm going to recommend that people find a bank to buy. They're good, PNC's good, Morgan Stanley's good, Citi which is owned by Action Alerts is very, very good. We own key too. Key will be reporting but this is a strong undervalued group. I could make the case that Morgan Stanley should go from 12 to a 14 or 15 model because of its sheer consistency and able to be able to triumph in this environment. We're going to talk again about key later but what did you make of KBW's downgrade of Goldman? Yeah I think that Goldman was too hard on itself in his conference call. I do think if there's any volatility it's ready to snap back. Let's remember they did beat expectations and the equity business was really good. If you believe there's going to be no volatility then you're going to be right with Keith. If you think that there will be some volatility then you're going to get a great, turns out to be a great buy.