i think it's time to. if the fed comes out and raise it in september and say, look, we'll be measured about how we raise it going forward, i think it's a good thing and i think we need to get rates more formalized. >> you in the, keith, we have been down here for years and years and years at zero percent. the fed has been printing money to keep the stock market up. is that its job? >> no, that's not its job. to talk to the data -- what too you think america does with its money? they can't buy cars except on credit. can't buy houses except on credit. can't do anything except on credit association the fed rate is right. this comes home to roost in middle america. affects credit rates. this herses the people that supposedly it's going to help, and wall street comes out on top. but middlemer will be skinned in the middle of this and it's not good. very, very irresponsible. >> michael-isn't it time to just get it over with? i mean, go to -- quarter percent