doug, thanks. >> we'll check on the markets today, looking better than they did yesterday when we had one of the worst trading sessions of the year. this is after newsom of our most biggest and prestigious banks are starting the day with lower crediting. they are familiar names you know like bank of america, citigroup, jpmorgan chase, goldman sachs and morgan stanley. what does this mean for us and our money and our banks? charlie gasparino, senior correspondent for fox business network is with us. mike santoli associate editor for "barron's" magazine. welcome to you both. mike, what does it mean for our money. >> bottom line, it doesn't change very much in the average person's deposits loans, things like that. it means a recognition, by the way this was months in coming, we were sort of expecting this. a recognition that that economic conditions and regulatory conditions have worked against banks. they're going to be less profitable. they may have higher borrowing costs. it might be one more thing a bit of a headwind to the economy. i don't think though a real big surprise or a big change