subject because we are waiting to get the latest earnings news from the swiss banking giant ubs. it s expected to report a fall in income in the first quarter following its dramatic takeover of its arch rival credit suisse. last month, swiss regulators moved to ring fence credit suisse after a collapse in confidence in the banking sector saw investors withdraw billions of dollars in assets. the swiss national bank agreed to lend ubs up to 100 billion swiss francs to help secure the deal the combined banking group is now estimated to be twice the size of the swiss economy with invested assets of $5 trillion. i m joined by alpesh patel, chief executive of praefinium. good morning to you. so, ubs results, due out in the next ten minutes or so, what you think they will tell us? 1 would be a buyer before the results are out because there is so much negative news out there and low expectations that