. >> ashley webster is here and elizabeth mcdonald is here and daniel is here and jeff sika is here. are' the perennial bear. looking for places to go down and we're down now, are we going to go down more? >> i think there's disappointment obviously from last week and they were singing kumbayah that the bear market was over and the reality, yeah, everybody's celebrating, but the reality was, that was a fake rally. that was a short covering rally and people should have seen exactly what anatomy that rally was showing us. now, we're starting to face the reality that the oil market, we are swimming in oil. the stocks have been merged with this oil trade, and we're going to see continued, continued decline. stuart: but the danger is that oil really keeps on falling and there are bankruptcies in the oil patch around america, the biggest danger, right. >> the problem is that the banks are holding a massive amount of debt in energy companies, now, of this debt, probably 60% of this debt could be considered high quality or investment grade, but you have about 40 to 50% of this debt that is--