RUSH TRANSCRIPT To have ░░░░░░░░ pick up a lot ░░░░░░░░ the cost but FedEx ░░░░░░░░ having a higher on ░░░░░░░░ news Stuart moody s ░░░░░░░░ cutting the credit rating ░░░░░░░░ several smaller U S ░░░░░░░░ putting some of them ░░░░░░░░ a credit rating watch ░░░░░░░░ warned they may cut ░░░░░░░░ ratings of big things ░░░░░░░░ well Dory Wiley the ░░░░░░░░ with the accent joins ░░░░░░░░ now let s get ░░░░░░░░ are you concerned about ░░░░░░░░ strength of our banks ░░░░░░░░ and small I would ░░░░░░░░ this is a continuation ░░░░░░░░ the fear trade with ░░░░░░░░ banks fell in April ░░░░░░░░ all banks hold off ░░░░░░░░ July and financials are ░░░░░░░░ even big check in ░░░░░░░░ booties upstate and legitimate ░░░░░░░░ credit issues that they ░░░░░░░░ worried about funding pressures ░░░░░░░░ new capital ratios but ░░░░░░░░ the same time a ░░░░░░░░ of this was factored ░░░░░░░░ the banks the banks ░░░░░░░░ done a good job ░░░░░░░░ managing their credit risk ░░░░░░░░ far and I m ░░░░░░░░ sure the moody s ░░░░░░░░ is capturing all the ░░░░░░░░ particularly on the capital ░░░░░░░░ and it s creating ░░░░░░░░ opportunities Stuart would you ░░░░░░░░ were not about to ░░░░░░░░ another run on the ░░░░░░░░ that we saw in ░░░░░░░░ spring Not yet not ░░░░░░░░ we ve seen two ░░░░░░░░ a major event that ░░░░░░░░ us off into a ░░░░░░░░ recession and to because ░░░░░░░░ are the fear trade ░░░░░░░░ do we have to ░░░░░░░░ a wave of refinancing ░░░░░░░░ real estate create problems ░░░░░░░░ banks and we have ░░░░░░░░ seen that yet Stuart ░░░░░░░░ you very much for ░░░░░░░░ and in the last ░░░░░░░░ We will see you ░░░░░░░░ real soon.