will be a smaller drag; (2) Oil still a negative; (3) Mfg, exports, and capex continue to deteriorate; (4) Low interest rates continue to challenge NIM of Banks; (5) Less bank litigations is a positive; (6) Slower buybacks a smaller contribution to EPS growth; (7) Fair value pension charges at year end hit

ll be a smaller drag; (2) Oil still a negative; (3) Mfg, exports, and capex continue to deteriorate; (4) Low interest rates continue to challenge NIM of Banks; (5) Less bank litigations is a positive; (6) Slower buybacks a smaller contribution to EPS growth; (7) Fair value pension charges at year end hit