>> okay good to new. happy new year. >> happy new year. >> taking the plunge. not these swimmers braving icy cold temperatures. i'm talking about the economy. just as the job market is heating up the healthcare law's employer mandate is kicking in and the penalties that kick in with it. to market watcher larry blazer who fears it could have a chilling effect on jobs. we don't see any evidence of that right now. if anything the job market is picking up steam and you think that companies aware of this would hold back and they're not. maybe much ado about nothing. >> certainly neil, 2015 should be the year to for the consumer and the year for the worker. better economics lower unemployment. should lead to higher wages, low gas prices embolden the consumer to shop, a rising stock market but if there's anything that can to the cold water on the their rid would be continue crease the cost some burden on large companies who hire employees, who make them feel nervous, passing through the costs costs and