annual stress tests. that's another reason we can have more strength and resilience. >> reporter: so picking up on your answer to john's question, you mentioned what congress can and what they might not do. is there a danger that if congress fails to act on a budget on the debt ceiling, which is coming up as well, on infrastructure, that congress's action or inaction on those fronts could put us into a recession? >> well, there's no doubt that congress failing to act in a responsible way to pass a budget and reverse sequester is going to have negative consequences for the u.s. economy. and particularly at this time when we're seeing so much volatility in economies all around the globe. it seems like a bad time for an unforced error. now i would acknowledge that we've seen a lot of unforced errors from congress over the last several years and in spite of those unforced errors we have been able to build up some momentum behind the economy.