points. that's what those folks are making. so there are a couple other products that are affected. these are for people really trying to provide for themselves. long-term health care insurance policies. you want to provide for yourself in old age. you want to buy one of these things? they've been super expensive because of the low rates. now if the rates move the other way it will advantage other people, long term care insurance, cds, people setting aside for their insurance. >> the losers? >> my friend, you're in trouble here, particularly variable rate debt. so variable rate credit cards which are most of the credit cards out there right now, home equity lines of credit, private student loans. all of these folks in these categories. adjustable rate mortgages. those prices are going to go up. keep in mind we're only talking about a quarter of a basis point here that the fed might implement. the question is when will they come back and do more? we don't know. >> rarely raising rates or lowering rates are they one and done. it's part of a pattern. the last time they were on an interest rate hike cycle they