bank. the account holders have to pay interest to keep their cash there. gerri now with her two cents anchoring the willis work. you talked about this during commissioner. i got $50 million but if someone has $50 million to put in with the bang of america they say, thank you and ... >> you pay us for the privilege. >>shepard: it is cheaper in the shoe box. >>guest: right thousand for big people. not you and me and normal human beings but if you want to put a chunk of money, the g.d.p. of istanbul not bank, that is what is happening. that is already happening this europe. >>shepard: since you have been speaking we are down 40 points off 440 for the day, the kind of sell off we have seen in the past where it is not about fundamentals or corporations