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And now today's podcast.

Good afternoon investors and welcome to Invest Talk. This is our Thursday

July 11th 2019 edition of Invest Talk, and I know this seems hard to believe, but we're already

second week of the second half of the year.

And as always, you are here to hear myself, for Steve,

give you some unbiased guidance,

and that is our goal here.

Each and every weekday is to give you our perspective,

the information that we have,

and try to give you a balanced view, right? An unbiased view of whatever

topic we're discussing, whether that's something I'm bringing to the table or it's something

you're bringing to the table.

So I hope you call me with your investing questions and when and if you make the time to call you

take charge of the program to shape it to your liking and to your advantage.

And as always, we are here to help you take that next step in your own journey to financial freedom.

Now today in this hour I'm going to do my best to move you along that path one step

at a time.

Now my main talking point today concerns a story I have about earnings and how analysts expect banks to be a

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