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It very bruised apple. 45 billion in market cap is lost as a 50 onequarter growth streak is shattered. Has peaked iphone come and gone . We are going to talk about apple and the fed, but its all about the banks. Were going to talk to santander. My assessment of the banking reporting season is expectations were so low that actually trying to make a beat happened and isnt as hard as you would of thought. A good think thats point. Its a lot like the show. Expectations are low. People may watch it. Santander and barclays, even though we did have a difference onbarclays had a big loss the estimates, and santander Beat Estimates one thing they have in common, they are losing loans on commodity loans. That get us back to the oil and gas sector. We need to press them on how bad are their Energy Sector loans. Guy its going to be fascinating to hear what they say about the low Interest Rate environment. What was interesting about barclays, they cut the retail part of the business, which now make

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