and as you can see, germany faring the worse. dax is down 3% at the lows for the year. not a good day in europe at all. the banks, not doing well. we saw huge declines yesterday for the banks commerce, all sharply lower and this morning, the banks are under pressure. five plus percent for lloyds, deutche banks. yesterday, european markets tumbling 4%, 5%. it was the worst daily performance for most european markets in 32 months so that means we re dating back to december of 2008 and certainly, the height of the financial crisis. so that s certainly not good news for europe shaking out today as well. the euro yesterday was down nearly 1% vs. the u.s. dollar. that was the second decline in three days.