rates faster than expected. history has shown us when you have a rising rate environment, especially with rates moving faster than expected, that can have an impact on consumer spending. so that of course is a big concern. despite the rebound we're seeing on wall street today, yes, the dow is up about 200 points, nasdaq and s&p 500 higher as well, we're still witnessing one of the most volatile weeks in wall street history with the dow down about 9% just this week. again, on those concerns not just about the economy but rising rates as well. we've been seeing a lot of volatility in the bond market. one silver lining here that a lot of traders are pointing out is the earnings story. it's been pretty strong. in fact, the companies that have reported earnings in the fourth quarter, hallie, 80% have beat on sales. that's the highest on record since 2006. so that of course is a bullish sign for some of the investors who are waiting on the sidelines wondering if they should get back into this market given the big run we've seen over the past one year. back to you. >> seema mody, thank you for