Efficiency ratio in the forecast of 5590 . 5559 . In terms of fullyear net income, another record year for wells fargo on the heres on the heels of a recovery market. The u. S. Largest home lender last year. There was a lot of concern about Mortgage Origination revenue and how that would drop. We did have an anticipated drop of 24 . Thank you. The final government report on will beales or 2013 released in half an hour. Retail sales will rise 5. 3 . I know i did my share. Youve also hear from the big banks out with earnings this morning. Wells fargo firing up the conference line at 10 00. We will hear directly from white house officials on the nsa scandal. We expect the testimony to preview what the president might say on the speech later on this weekend. Moments ago scarlet fu brought us wells fargo earnings. The company missed analyst estimates. A tough year for jpmorgan. Steve case sitting beside me. From where you sit, are you getting what you need from the Banking Industry . Not re