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Merited in several countries talking about public debt positions being manageable despite deteriorating macroenvironment growth is expected to remain subdued longer than expected remaining muted in a low rate environment supports Economic Activity signs of risk takes need monitoring and indeed action banks in the euro area are all trading negatively there, the swiss banks having resisted. Banks renewed cyclical head winds and reviewed progress. Euro area banks are adequately capitalized, despite the fact, a lot of those european banks trading lower. My colleague is outside the bank now, what isdifferent about this report than the one we saw back in may . Reporter a little more gloomy, i would say. Also the comments on the economic down turn are a little more pronounced also those negative rates to have side effects. I think it is a bit more pronounced than previously it is happening. We are seeing it in certain markets like real estate markets. It will be interesting to see what the Vi

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