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there are a couple stories out this morning and over the last few weeks about jobs and banking disappearing in the next five years you've got Vik Pandit former CEO of Citigroup saying that 30% of banking jobs will disappear in the next five years because of artificial intelligence Deutsche Bank said the same thing just a couple of weeks ago what's your take on that yeah I think that technology is very important in terms of the future success of the business how it's going to impact the number of team members we have I don't know for sure we're very proud of the fact that we have 270,000 team members at Wells Fargo they do a great job every day but I've been in this business for 30 years and technology has changed that business every year for that that time period how many team members we have five years from now I'm not smart enough to know you are you using machine learning and artificial intelligence the way some of your competitors are in terms of looking to actually you know be mor

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