anything because the rates are going to be low for several years. so, i don't have to take any risks, i'm not sure about the economy. i see lots of uncertainty there. so, i think that it delays -- it reduces the incentives to actually go out and take risks and lastly, it punishes savers. >> paul: who get low rates. and who we saw with the second round of qe, helped the stock markets for a time, but went into our asset prices and you can't guarantee which are going to increase, energy prices which flowed into food surprises, commodities in general, which affected consumer purchasing power and well-being, and raised costs for business. that has a countvaling effect. >> i'm heated up on this subject of bernanke. look, we're talking about the entire american economy and