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the market will be able to look through that. what they are going to be interested in is net interest income. in the case of the big banks, the capital markets reopening and deal flow reopening, it was completely shut down last year in 02 and 03, may see some improvement in 02 and start to see improvement in 03 as capital markets come back. interest rates is something everybody is watching. what are the other challenges facing the sector? as it relates to commercial real estate, there may be difficulty as it relates to the b and c type of office properties. we think the a properties will do well. i think they may be over estimating the danger in the commercial a properties and underestimating some of the b and c properties. 0verall, stocks have traded down in anticipation of this. priced in a lot of bad news and as result, it can lead to upset surprises. let s briefly turn to australia now because its central bank is appointing its first female governor, michelle bullock replacing phil

Deal flow reopeningCapital marketsInterest incomeInterest ratesOffice propertiesUc propertiesMac typeReal estateCentral bankPhilip loweBad newsReserve bank australiaMichelle bullock