The Underperformance of Bank of America and JP Morgan

I'm curious to how much of this is you're starting to see consumers who are nervous about banks or heading to something like a JP Morgan. And as Bank of America showed in the first quarter results, they saw an influx of deposits like JP Morgan. So nobody's avoiding Bank of America or JP Morgan for that matter. Gerard: I feel like there was a reason why banks stuck 2.1% on a savings deposit for as long as they could until they had to raise it to market rates. We've got potential consumer under stress. We'veGot tightening credit. We've Got banks that have to pay out much higher interest rates in order to maintain that deposit flight.