some strength. >> why is there such a disconnect at the end of 2013 and beginning of 2014 between main street and wall street? why is wall street having record highs and main street still struggling? >> i think wall street in the end continues to reinvent itself rapidly. there will be a new product to be sold. few people are actually in it. a lot of people invested in a lot of companies that did very well because the federal reserve kept interest rates down. so companies that would have gone out of business otherwise that were invested by very rich people at wall street, private equity firms have come back public and that's a very big theme and making people a lot of money. main street is trying to create jobs. main street is hamstrung. main street is small business. small business doesn't do well in an environment where there's a lot of regulation and interest rates money is not free home to, only free to the big people. >> you're exactly right.