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[Music] so ticker wfsc now the big Bank docHubing a 3.7 billion dollar settlement with the Consumer Financial Protection Bureau excuse me so this agreement includes a 1.7 billion dollar civil penalty with fines tied to mismanagement of mortgages car loans and bank accounts now cfpb director Rohit Chopra saying in his statement that Wells Fargos quote rinse repeat cycle of violating the law has harmed millions of American families now he called this agreement quote an important initial step for accountability and long-term reform so yes certainly Brooke a step here for Wells Fargo but lots of talk about future fines and the implications what that could mean for Wells Fargo down the road yeah well Wall Street seeming to agree with that statement there Jeffreys analyst noting while we do not see todays action is having a Direct Read though to the asset cap and potential removal we would take todays announcement as a sign of positive progress on moving toward that ultimate goal ultimat