reprieve with the fed's statement we will have an extended period to 2013 but that does not help growth in the economy. we have to see growth in the economy, housing and jobs improve to this country to see, really, the stock rally in a meaningful way. nasdaq closing down, and s&p closing down 51 and dow was down 520 points and bank of america issued today and there are concerns that bank of america itself may need capital and they my have to buy back a lot of the mortgages they have been dealing with since they acquired countrywide two years ago. so, a lot of that, again, is multiple factors and we have seen this each day, multiple factors, and the head wind is too strong. >>neil: and now hopping across the pend to europe.