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That translates in to a positive earnings surprise of 20. Revenue was relatively flat on a reported basis when compared with Q3 '15, as 4% increase in NII was offset as I said, with the absence of approximately 200 million of divestiture gains in Q3 '15. However, thanks to some combination of the financial crisis as well as a specific provision within the tax laws, there exists a short-term downside in order to reduce corporate taxes through the North Carolina-based bank of america online sign in banking's perspective. 4 bank inside the Memphis metro area as ranked by deposit share. Charlotte-based Bank of America and San Francisco-based Wells Fargo say Congress didn't intend to allow for private lawsuits by a plaintiff who wasn't a victim of discrimination and whose interests are thus far removed from the alleged wrongdoing. Or, everyone hunkers down and we view capital controls, protectionism, and increased regulation.