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oh there you have your answer lets talk about the big buzz kill in todays session certainly that was the financials the group accelerating their loss is following a note by Kalyan securities Mike Mayo saying expect city to have ten billion dollars of fourth-quarter write downs with his thoughts is chris whalen managing director of institutional risk analytics Chris always good to have you with us hey good to be back the the note specifically mentions ten billion dollars in fourth-quarter write down of deferred tax assets normally deferred and correct me if Im wrong normally deferred tax assets not a problem unless you believe that the company cannot earn their way out well thats correct i mean the management of the company takes a view on the tax asset but then they have to look at their auditor and the auditor has to agree with them so you have a situation at city we all know about the tax asset by the way this is not a new issue but I think what Michael did very appropriately was