linechon you in the blue apf estimates for the second half of this year. they've only come down around 3%. this is simply too optimistic for the second half of this year. even if the rest of the business is performing well -- trading, investment banking, represents 60% of these revenues. when i look at the concerns here -- concerns about goldman sachs at some point interest rates will go up. they are benefiting terms of net interest, sensitivity there. goldman sachs in issue here. this actually sticking with the current sector of the business. ,f they are sticking with it maybe those etf estimates to have to come down. >> speaking of the lack of trading revenue, you have to continue to talk about the incredible lack of volatility that we are seeing. this is a cool chart shows average quarterly volatility -- going back to late 1997. we are really low here. there's nothing going on in the markets, hard to generate some trading revenue. this and the left side between 1998 and mid 2000. what i think is interesting here, the was a boom time and markets. we tend

i heard and actually you've introduced a new apf t, is basically a concept of meeting insurance needs, i've never thought of that but that's even educated me. >> basic health, yes. >> my question was, even from these nyc's, they told me i was a little bit before you, ets, maybe a little bit after but bob people, i guess the excuse given to me was the emotional, if a female dies in the unit, the emotional response from it is significantly worse than if a male dies so i wonder what your thoughts are on that. >> i have thoughts on that. i'm eager to share them. >> i think that that is a very real concern but it makes a lot of assumptions. >> it depends on the woman. >> okay, when you are charged with protecting someone weaker than you, whether it's an official charge for there is a movie coming out with jennifer lawrence questioning that. >> where she's a comment photographer in bed with a marine unit and something happens to her and they show this told ittakes on the marines, they were charged with her protection but because , whether it's a combat training warrior and a woman is with t