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RIGHT MAYBE IT IS CHAT GDP MAYBE IT IS -- CHAT GTP THERE ARE BANKS AND BONDS PORT PORTFOLIOS JOINING US NOW IS THE FORMER CEO OF BARCLAYS THE DO YOU HAVE A TAKE ON WHAT IS HAPPENING WITH THE AMERICAN EXPRESS NUMBERS THIS MORNING YEAH. I THINK AMERICAN EXPRESS WILL ALWAYS BE SOMEWHAT SUBJECT TO THE CYCLE. AND MY OWN VIEW IS TRAVEL IS REALLY PICKING UP. I REALLY SEE IT. BUT TO ME, ABOUT AMERICAN EXPRESS, ITS REALLY THE STRUCTURAL I THINK THE BRAND IS CRITICAL. I ALWAYS SAY THIS. LEADERSHIP MATTERS E HE IS A REALLY, REALLY GOOD CEO. VERY FOCUSED ID BE A BIG FAN OF AMERICAN COM EXPRESS. IM NOT SURPRISED THAT PROVISIONS ARE UP A BIT IN THIS CYCLE. IF THEY SAY THEYRE GOING TO MEET FULL YEAR GUIDANCE -- ALL RIGHT PLAYING IN A GOLF TOURNAMENT. YOU JUST SAID -- I PLAY IN A FEW GOLF TOURNAMENTS. THAT IS UNRELATED TOTALLY UNRELATED OKAY. FULL DISCLOSURE OF HOW CAN YOU THATS ALL RIGHT. BOB, HELP US HERE WITH THE BANKS THOUGH I THINK WERE T