From mr. Dimon. A straightforward look from ceo and president gary cone. They do go through a number of the businesses and important to find out what we all know. The big adjustments that have taken place in the business over the last number of years and that continue to effect it in 2015. Talking about of course Interest Rates many parts of the world remaining at or below zero. And goes on to say it is important to remember even if the timing and as for the businesses overall, they point out that Investment Management and investment banking, two businesses accounted for 39 of revenues last year compared to only 30 in 2012. That due in part to changes that have taken place and fixed income currency and commodities as a result of higher capital that has to be held in that business and a different mix overall thats taking place. Not that theyre moving away from income currency and commodities rights. They still remain committed to meeting the needs of their klines but they have reduced r
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