factoring in the $13 billion. if you told jamie dimon in my guess he would have to pay an extra $13 billion for bear stearns and washington mutual, i bet he would still do that deal. >> so you noted that the stock is up. why? >> why, because wall street investors don't like uncertainty. they don't like the speculation, is it going to be $11 billion, $13 billion, will there be litigation hanging over this company. there has been so much litigation lately regarding jpmorgan, they reserved billions of dollars in this last quarter for litigation expenses. investors like to know there will be certainty. they like to know what the actual reliable earning stream they can count on from this kind of a company, ex all the litigation. i think they will finally get most of it behind them. not all of it, because jpmorgan chase has a tendency to get itself in legal trouble, as many big firms do repeatedly, which is another big topic. once we get this behind them, investors can breathe a sigh of