we ve had that brick done in various iterations. we had the banking cys as another brick in the wall. we had the debt limit brick in the wall. you go brick, brick, brick. but in regards to the wall, the wall is a sentiment function that works in favor of the bull as more people look for what s going to go bad. a single day means nothing good or bad. neil: let me ask you, in the same quarter that we re getting the earnings coming in darn good compared to what people expected. absolutely. three banks wept belly up. everybody thought this would widen out. you did not. i remember that distinctly. you said something then. do you still see it now? that we can avoid financial crises or are we one step away from something else? i wouldn t want to go there. i want to make this short and