there's an apf for that and the founder is here. so many tax to check out but let me try and tell you what's going on with the markets. the s&p 500 today was going for its first nine-day winning streak since 2004, but it does not look like that will be the case today. and the nasdaq 100 may also be in danger of ending its winning stroke at only 14 consecutive days as opposed to 15. nonetheless, i will take 14 consecutive day of gains any old day. back to the trading floors and find bob, rick and seema. bob, i'm going to assume, considering there's not that many negative cat lifts out there for the market, is this mainly profit-taking? >> well, no, we did have esther george making comments, and we were a little weaker on the regional banks, and i think that's something to point out. comerica is the first regional bank that appointed. goldman was the first one and you're buying because of lower interest rates and loan growth. estimates they did 8% loan growth and so far they are doing 2%, and they said this would continue through 2013