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This is from bloombergs headquarters in london. We begin with the Banking Center the banking sector. Have a report card and we are looking at a settlement and the latest on a widening global investigation. Lets hear from was a former governor had to say. Not pass wasat did close and you made a lot of progress. The question is about subjective and qualitative factors about how good the process is. They did not just want to rely on the basic model. They want to rely on the approaches that can make the banks folder hair out. Lets kick it off with you. Who failed the stress test . Citigroup is the big one and last week was about whether they in thehstand a crash stock market and an increase in the unemployment rate. Yesterday was about capital plans and the process. It is not only a capital buffer issue. And rbs is the interesting one because they want to get rid of this one. Flag foraise a red potential buyers . There is a reputation ....