only polaris delivers the ultimate combination of power, suspension and agility. the only trail capable side-by sides, featuring the ultimate value, r 570. the only 4-passenge sport machines, led by the all-new rzr xp 4 and the undisputed king of high performance, rzr xp. razor sharp performance. only from polaris. get huge rebates on 2012's and low financing on all models during the polaris holiday sales event. during the polaris why they have a raise your rate cd. tonight our guest, thomas sargent. nobel laureate in economics, and one of the most cited economists in the world. professor sargent, can you tell me what cd rates will be in two years? no. if he can't, no one can. that's why ally has a raise your rate cd. ally bank.