the reason anybody cares about these yields or these rates is because essentially the higher these rates go the moral kinds of borrowing gets expensive whether that's consumers for home loans or car loans or whether it's businesses, but as more strategists point out we're in a nine-year stock market bull , bull market so even if this week has been brutal for you if you have been in stocks for years, you have still made money and we just put up these levels for the past 52 weeks alone you saw them there but essentially if you average the dow, s & p 500 and nasdac over the past 12 months you're still up 25% and if you're in since the recession you're up something like 200%. neil: it is interesting when you mention about the memo and how the potential of that could be not so much on the details there in, but it could drag out an investigation that's the peer of the unknown. >> right and we always talk about this cliche which is markets hate uncertainty but it's true and with this pressure , it seems like this is a historic moment that we're living through, right where you