it s bertha coombs. u.s. housing and the state of the american consumer will be under the incident investor spotlight today. and i m christine tan. in asia, honda profits nearly triple. and i m steve sedgwick. the bank shares tumble continuing the sell-off from ing from yesterday. hello. if you re joining us in the u.s. at this hour, welcome to the start of your business day on worldwide exchange. we re on an hour later this whole week due to the understand of daylight savings time in europe, a week ahead of the end of that here in the u.s. we will turn our clocks ahead this coming weekend on halloween eve. this morning here in the u.s., afternoon in asia, hello to you there, as well. we ve got the futures pretty much mixed. we ve got the dow futures above fair value by about 20 points or so. we ve got nasdaq futures slightly better and also s&p futures, as well, a little bit ahead of fair value. we re going to have just a bit of data today. we re going to see the cas