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I think at least in part what we're seeing now that's different from 2008 is there does not seem to be a great deal of infection from one bank to another to another. And so there is something to be said for having the herd called a little bit. I mean credit sweez for example has been dying it seems for as long as I've been an investor. They have been in some level of crisis. So the fact that they are finally moving on and being taken over by UBS. That's probably if you had to make a bet on banks that was one that you would have made a long time ago.
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