“Many” senior Federal Reserve officials said a more gradual approach to reducing interest rates was warranted in light of ongoing uncertainty about the U.S. economy and the appropriate level of borrowing costs, new documents show.

With stock prices of Goldman Sachs Group Inc. and Morgan Stanley both outperforming the S&P 500 handily on optimism in the banking sector, HSBC analyst Saul Martinez downgraded shares of both financial firms to neutral from buy.

“Right now, I do not have a car payment and I pay off my credit-card bills of between $2,000 and $7,000 every month.”