Saying low rates are to blame. Basic change are the Interest Rate environment as well as the general macroenvironment we have seen pressure on margin rates and customer activity. Thats why we are not going to see higher revenue and a whistleblower report alleged President Trump abused his power on a phone call with a foreign leader and then the white house then tried to cover it up. Good morning, commerzbank has formally approved the latest overall. My colleague is with us live from frankfurt what did the angels have to say . I had to ask him why now because clearly the Interest Rate part was pretty much clear already when they had their last quartly earnings in august it took them some time to realize what it is going to mean also for their revenue out look. The bottom line is because of the Interest Rates and easing cycle and also the out look in the economy and revenue guidance this year was too optimistic i had to ask him why now and whats the biggest drag. Take a listen to what he