but this new front against the banks has to do with the mortgage bonds that were built on bad loans including bad subprime loans and basically what we re hearing is from j.p. morgan chase, wells fargo and goldman sachs all have disclosed that now the fdc is looking into these banks, they ve used what areo they ve issued wells notices, asking more information about whether or not they properly or improperly disclosed the risks for these mortgage bonds, so we ve got breaking news on this too, j.p. morgan chase, according to reuters, is saying the sec is weighing actions on two separate mortgage bond probes, one over the due diligence j.p. morgan did on the bonds and also, bonds related to j.p. morgan chase s takeover of bear stearns in 2008. j.p. morgan bought bear stearns for two bucks a share. so the issue is the wells notice is ordinarily the next step to an sec civil lawsuit against these firms. jenna: what does that mean for us as just people that go to banks?