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banks woul which you want to uss the ability to get in and run one of these institutions, they cannot write it because the bank regulators don't want these too big to fail banks to get even bigger and more systemically important and risky. that is one of the problems he has right now. right now he has a problem with selling it. citigroup cannot buy it right now. basically sold by regulators. that is the problem he has. and what kind of record this gentleman has. think about how he leads the market. back in 2008 i remember several times went out and said head of merrill lynch that did...

nasdaq at the lowest level in a month. right now nasdaq off by nearly 40 points. s&p 500 under pressure today. down bay bit more than 1%. >> obviously europe is remaining a drag on the street. what has changed now? this is before with the latest headlines showing the same fears about that region's fiscal situation. why are investors suddenly pressing the sell button right now? >> today's closing bell exchange, bob pisani, black bay group's todd shellenberger. stu schweitzer and rob smalley. rob, we begin with you. last week, wednesday, thursday, we are talking about dow 13,000 again....