jamie: no. >> these are the last five days of the year. a tremendous track record of gains. we are set up beautifully for that. i was reading the holiday spending numbers. lack luster but a gain knew the less. jamie: stores were bragging. >> it started off with a bang and tempered off a little bit. we'll gain shy of 4% growth on the retail sales last year. growth, not as robust as some of the economists would like to see but a gain nonetheless. jamie: what about consumer confidence and people putting their money into the market after the first of the year. they open up the end of the year statements, if you guys are brave enough to open up the retaoeufrpl retirement statements, what will they do? >> this is so important because it's gage of how you're feeling, how confident you are to put the money out, to invest it in the market, to spend it out there in retail land. that will be a key indicator. and a key karat owe'll get the