it's keycorp >> yeah. we really like keycorp once again, we believe that regional banks will be the investment into the banks. as interest rate goes up, banks will do better and so with keycorp it has about a 6% loan growth 8% deposit growth and is very unique in its acquisition strategy it recently acquired a business to business digital platform and it has an analytical consulting firm, plus it has an additional lending platform it is going to meet the customer where they are we like the valuation on this. it has growing revenues and earnings so this say company that we really like and the sustainability is doing well >> intuit, the final of your three picks. >> intuit, the catalyst. there's over 700,000 new businesses starting each year, and intuit is the -- for the entrepreneur and the new business owner it's the ecosystem for success. if you think about their products, accounting they have quick books, turbotax, they have for credit and lending information, credit karma and recently purchased mailchim

the concepts if you're looking for lending banks which you should be looking for, you will look at keycorp, if you're looking at the capital markets banks you stay away from goldman sachs, morgan stanley, j.p. morgan. >> what do you make of the rising expenses especially when it comes to compensation whether it's junior bankers or the top elites of these firms? >> i don't think it will exert any pressure after this quarter. if you take a look at goldman sachs, keep talking about the fact that they have to pay higher and higher wages to get more talent. where is this talent going to go? if you look at goldman sachs closely, you recognize this company is a partnership from their perspective. it's not a public company. they made a lot of money and they're going to put a bunch of it in their pockets. i think that's all were looking at. if business is weaker in 2022 which i fully and strongly believe it will be, those bonuses will go away. this whole talk about finding talent by increasing prices will evaporate. haidi: it's not just about the wages, working egg over they are paid as much. not m