Bomb for stocks. Hell tell you what it is and why this hour. West texas crude crossing below the 50 mark for a short time. Right now just a nip above it. This is a massive cold snap about to cover much of the united states. Snow, too. Already hitting some parts of the country. Its going to be a rough week for weather. Snow ice and freezing cold. The forecast is ahead. We give it all to you, including sue at the nyse. Hi ty. And stocks have been spiraling lower this hour. A big triple digit loss on the dow jones. But we want to take a look at the dow and markets through the prism of ets. You can see down almost 1. 3 . Qqq, nasdaq 100 and the iwm is the russell. Now, the Health Care Sector is traveling with a break even line today. Some people were calling that a safe haven earlier. Not so much now. The hardest hit sectors of the day, energy. Financials materials, also down considerably on the trading session. Now, the transports and ten year transportation average is now down almost 2. 5 . 220 pountsints. And the money is going in the treasury market and into the dollar with the yield on the ten year note now the at 2. 044 . Bob pisani is picking up the story. People seem to be taking advantage of this year to get rid of some of those. There are big mac crowro themes. They keep pressing the big macro themes. Let me show you a strong dollar concerns about slower Global Growth hurting for example material names. Were seeing big names out there, steel stocks are weak. Alcoa is down. Global growth in oil weighing on . Some industrials. People asking why is caterpillar so swaekweak. They get 10 directly, another 15 indirectly. So maybe a third of caterpillar is at risk in terms of oil and gas exposure. Thats one reason. A lot of people trying to hide in consumer names, about you thats not working well for a couple reasons. There is the van guard oig difference department appreciation. And the reason is a lot of these funds that have dividend appreciation also have guess what, Energy Stocks in them. So some of the Biggest Holdings of this Vanguard Fund is occidental murphy, exxon. When theyre gowndown this much it drags the whole fund down with it. Finally, just to calm everybody down a little, the s p at historic high on december 29. Just a few days ago. So this drop here, were, what, 68 points to the down side. Thats only 2. 3 . I know its not a good day for the markets. But lets bear in mind that we were at historic highs just last week. Thats right. Thank you, bob. Always putting it in perspective for us. Dont want anyone panicking. Ty, up to you. Fears about europe sending the Euro Currency to a nine year low today against the dollar. Our senior economics reporter steefr liesman is at a major economics conference up in boston where europe is of course a big topic. But Michelle Carusocabrera is right here with us. And it looks like the eurozone debt crisis is being revived. Greek stocks down more than 5 . Italy the same. Yep. So what is happening today is the following. Reactions to two things. First, there was an article over the weekend in germany that suggested the german leadership was now comfortable with the possibility of greece leaving the euro. This could very well be negotiating tactic because they fear they will face this radical leftist who could win the elections who has said he wants to stay in the euro, but he wants a lot of things from the European Union and eurozone that make it pretty impossible for stay. The other thing that has happened is weve gotten some german inflation data which shows once again that across the european continent, theyre having a real issue with inflation, thats what the European Central bank is so inflation are or the lag of inflation . The lag of exactly. Good point. So those are the two things driving the sell off. Cg of, exactly. Good point. So those are the two things driving the sell off. Kg of, exactly. Good point. So those are the two things driving the sell off. Of, exactly. Good point. So those are the two things driving the sell off. Greece still hasnt done any of the reforms that they need to do. They keep saying austerity isnt work, but they never did the other half which is reforms are supposed to help the economy grow and do things and be more liberal. More open. Right. Not liberal in the political sense. Exactly. More in the economic sense of Less Government intervention and so forth. So that leaves germany to say, okay, if you dont want to do those things steve, what is the theme of the conference that youre at today up in boston and how are they, the economists youre talk to up there, processing the news out of europe today . Well, i think the first theme you hear a lot about is the general strength that the u. S. Economy relative to what is going on oversea, kind of getting a clean bill of health from the doctors or professors here. But no guarantees that they wont catch what is going on overseas. A lot of has been mentioned yet about leverage in china and concerns that that could create is already a financial bubble that could burst. And of course concerns about europe. Im not sure there is a whole lot of concern about the actual level of the euro as a reason for worry about the united states. If you put it all together, what do you have . You have very low Interest Rates over there and a depreciating currency. Those two things together say good out of that currency get into something else. Hence the march into u. S. Assets here. And it doesnt mean that they worpts eventually find their way into sockstocks, but right now a lot of parking this bonds. The trouble is that there isnt so much a plan, most believe that will be quantitative easing by the European Central bank. The concern is that it wont work. Marty feldstein was talking here and he said that he didnt think that lower Interest Rates from quantitativeyateive easing would help. And i dont know williamson spoke here and he suggested that it is indeed a headwind for the united states. The u. S. Domestically has a lot of momentum. Ndeed a headwind for the united states. The u. S. Domestically has a lot of momentum. The tail winds that we have in terms of energy prices, momentum jobs you cant outweigh the weakness from abroad. So that really is the story, whether or not those things going on overseas wash up on our shores. But right now the pin i dont think of guys like williams and others is that so far the u. S. Will be able to withstand that weakness. The question is will qe work. Greece didnt do a lot of the reforms. You can say that about italy. Spain has done some. But for example, if you need a notary to get anything done in rome, even to get on the brus,us, i exaggerate only slightly he can print all he wants but its a problem with the economy. Michelle the counter argument is that the current economic weakness in europe that were seeing the current lack ever low deflation, comes after a time period when the European Central banks Balance Sheet declined by 1. 1 trillion euros. So at least getting back to that old level could have a very important effect on the european economy. It wont be the fix to he said all oig all fixes, but certainly thought to be a part of the fix. But they still need a thick layer of reform on top of it. Just to make things move more smoothly. Lets send it over to dominic chu for a quick market flash. So energy may be among the biggest losers in trading today, but you money item stocks are also getting hit hard as well. Were talking about priceline, netflix, amazon tesla. As you can see, theyre all moving sharply lower to the down side and again, some of these names, high bay if a oneeta ones trade a lot more with leverage to them. So as the market goes down a lot of traders expect these names to go down by even more. Back to you. And so far theyre right. We just heard from michelle and steve about europe. So is it a good time to buy europe or should i stay away . Mike holland and dave donibidian, great day to have you both on. Mike, you know, there are a number of elements really to europes crisis which well take a look at in just a second. But overall, how serious is the situation in europe right now . I think its serious to the point that both Steve Liesman and Michelle Carusocabrera were talking when even the remedy socalled remedy, people are so split on what they actually mean. You have the germans who areen entrenched with the fact they dont want any easing on the other happened gernd germans showing they have no Price Inflation whatsoever. Deflation as we learned from ben bernanke something we want to avoid at all costs. And right now it doesnt look like as if they can do initially things that may get us to the point where we dont have to worry about that. Lets take a look at some of the three major issues that are facing europe. And i put this together when the euro was at a 2010 low. Right now its probably at a 2009 low given how much its dropped. European bond yields hitting record lows. And im a believer that the bond market kind of leads the equity market. Euro weakening to 2010 lows and ecbs draghi wont rule on the out the deflation risk. So dave how do you feel about the situation in europe right now. How dire is it . I agree that the conditions are serious. I also think that well have a lot more clarity by the end of the month. In just two days well get the eurozone wide inflation reading. We have the greek elections. And both of those things buttress draghis case for a significant quantitativeubtsntitative easing program. By months end, i think the outlook will be clear. Mike, you think its a little early, but you if youre brave there is value in europe. Well, bryces what you pay value is what you get once said. And to daves point, we will have january 22nd well find out what draghi he extent we have clarity and 5 kinds of declines in europe today and continuing decline, you could have sectors like energy dont laugh, and financials dont at levels where we havent seen them in terms of valuations in the last couple of cycles. So, yeah i think there is a potential for making a lot of money depending on how things play out here. If you have the stomach for it, good luck. We want to turn your attention and get some comments on the story that Mary Thompson has been reporting organization index funds versus stock picking in 2014 a great year for the index fund. Vanguard breaking record inflows bringing in 216 billion. A mind boggling amount, mary. And if you look at the casing a difference versus passive, its a case of investors not getting what they paid for. You dont get much for the additional 50 waivesbasis points. Preliminary data shows almost 80 of the active mutual funds underperformed their benchmarks. This is also a sharp increase from 2013 when over 54 of these funds yupd performed their befblg mark. Maybe you can attribute this through a couple of bad years for managers. Long term performance suggests those years can easily turn into decades. Over three, five and ten year period more than 70 of actively managed domestic equity funds consistently underperform their benchmarks. Makes a strong argument for passive or index investing. And it appears they are taking note with a peak of withdrawals in 2010 when they hit about 174 billion. All the while index funds, those tied to the s p 500 and other domestic equity stock indices have continued to retract money although at a slower pace. A certified Financial Planner uses actively machininged fund but only those his managers have a strong track record. While passive is a better bet when markets are going up she says active funds should provide better protection when markets are headed the other way. Back to you. Thank you very much. So lets get comments now. Dave ill turn to you first. Make the case for active investing. When basically we saw passive investing work so well over the past few years. Granted we were in a very sweet market at that point. Exactly. And i would argue that were close to the point at which the sweet point for indexing will be behind us. Indexing works best when market returns are strong when volatility is low and where stocks are highly correlated with one another. When we look at 2015 we see ankd i think digit return more value tilt and fewer stocks part pagt. Url that favors active managers focusing on valuations. And on Higher QualityBalance Sheets. Indexes tend to be more momentum vehicles late in the cycle. And mike what about you, i know that you are a part of or Founding Member of a Vanguard Charitable funds so we want to disclose that certainly. But what is your view on 2015 as it pertains to active investing versus indexing . I would echo a number of comments dave just made. And i have true confession, ive spent most of my life in active management business, but also a user of index funds because they represent a good value when youre trying to get exposure to markets. But in the market where you know a good manager who is one of that 30 that Mary Thompson referred to who outperform over long period of time and you have a special area where you want them, large cap equities, its tough to get a manager like that. But there are certainly areas in the mar are ket where you can find active managers do a great job. In 2015, it could be that kind of year. Straight up market means active managers have cash they will underperform the index virtually every time. But i think daves points are right. 2015 could be a good year for active management. All right. Especially if we have volatility coming back. Thanks to both of you. I hope you have a great new year. Dominic chu is back with a market flash. So one stock that is doing relatively well today is isis phrma. Its moving higher after johnson said it will pay for the option to license three drugs that target autoimmune diseases in the bowel. You can see isis up by 8 johnson and johnson down marginally. And in a cnbc exclusive, isis chief dr. Crooke will be jim cramers guest tonight on mad money. A Hedge Fund Founder has been shot dead in his manhattan apartment. Kate kelly tracking this developing story. The death of Hedge Fund Manager tom gilbert, founder of wayne scott capital, now appears to have been the product of a father son conflict that ended tragically. Sources have told our colleagues that the police now consider tom gilbert jr. To be a suspect. And that we may see charges filed later today. Tom gilbert sr. Whose fund managed 200 million in assets was shot in his east midtown manhattan apartment yesterday afternoon and was pronounced dead when paramedics arrived at the scene. His son was reportedly spotted leaving the Apartment Building where the shootingquestioning by the police. Officially, the death has not yet been ruled a homicide but sources say the gun used belonged to tom gilbert jr. And that he had had financial problems of late creating a possible motive. Meanwhile the future of wayne scott capital seems to be in question. Reached earlier today by phone, wayne scotts head of marketing told me only that Business Operations were on hold in light of the untimely news. The gilbert family has yet to issue a statement. But there will be a 3 00s from conference with commissioner erer bratton and playermayor de blasio. Items mostly on the police shootings, but perhaps in the q a. So well keep a look out for that. Kate thank you very much. Sue, down to you. Get your overcoat, coat get ready for very cold weather and snow, as well. Here is the weather chan ems tom niziol. Generally about a 3 to 5 swathe of snow across the northern part of the country. As much as 5 to 8 in the flanplains and foot around the lakes. Two shots of arctic area will overspread a good part of the eastern u. S. Take a look at the highs on wednesday. Chicago only 1, atlanta 38 temperatures as much as 30 degrees below normal. And by thursday morning, the low temperature, and chicago 14 below, nashville will only get to 7 for that overnight low. Charleston as low as 19. And finally this continues in to thursday with that cold air locked in across the eastern u. S. Stay tuned, we have cold in place for this bike being aweek across the eastern united states. Lows 4 to 5 in new york area later this week. There is phil lebeau behind the wheel bringing new meaning to the phrase hands free. Phil, tell us about it. Eyeler this is audis a7 piloted driving test car. And weve been driving it from San Francisco on our way to las vegas. Were in the Mojave Desert driving hands free, foot free. Navigating away traffic. Well show you how it works when power lunch returns. First impressions are important. Youve got to make every second count. Banking designed for the way you live your life. So you can welcome your family home. For the first time. Chase. So you can. So youre looking for a loan . Hows your credit . I know i have an 810 fico score, thanks to the tools and help on experian. Com. And your big idea is hot dogs shaped like hamburgers . Nope. Hamburgers shaped like hot dogs. Thats not really in our wheelhouse. You dont put it in a wheelhouse. You put it in your mouth. Get your credit swagger on. Become a member of experian credit tracker and find out your fico score powered by experian. Fico scores are used in 90 of credit decisions. Oil prices are falling. 5 1 2 year lows for that. You can see down by about 4 . 50. 55. Baker hughes out with its latest showing rigs down 29 from last week to 1811. But the rig count still up from the same time one year ago. Its been a tough session overall for Energy Stocks leading wait lower here. Noble energy, dan bury resources, trance soegssoceantransocean, out of the top 20 decliner, 15 were energy related. While most people will be flying in to las vegas for the annual Consumer Electronics show this week phil lebeau is driving. Sort of. Hes got access to a new hands free technology. So phil is in the car right now. And you are watching his car. It is especially equipped audi. Where are you and what do other drivers see or how do they react when they see youre driving a driverless car . A few double takes. In this fact right now we have a few cars passing you. But this will show you how the technology works. We will be able to essentially do lane changes without having to worry about other traffic that is around. But right now you see im not controlling the vehicle at all. As cars are going around us at some point well speed up ahead here and well go around. And well go up here. It gives issue sense of now i took control there, but if i wanted to leave go and then i want to have the vehicle take control, it will send a very plain signal. Right here it says piloted driving mode in effect. And there you go. And now im hands free you you see other cars going. And in the future, you can do lane changes autsly with this car. The need thing about this is that this is really an extension of the future when it comes to cruise control. What well be able to see in the future is that if you are going hands free if you dont have to have your foot on the accelerator, it frees you up so that you are another not constantly stressed by holding on to the steering wheel. There is another shot of us to give you a sense that we are happeneds free. Ive had a few people saying are you controlling with your knees. Were not. Im not paying attention to the front. Whole idea here is not that youre supposed to fall asleep or text and drive, but the why is is to assist the driver and give them warning when they are on this next generation of cruise control. Is your foot on the accelerator at all, phil . No. If i did yoga right now id be able to pull that foot up here. But, no it is not. Im not doing anything. Im literally sitting here like this. But its a very natural feeling. You to not feel like oh, high goodness, the car is out of control. I dont know where it will go next. More than once as weve been on this drive, 560 miles, weve done lane changes, we have slowed down when there has been traffic that has slowed us down. Its as if the vehicle is truly in control and guiding us down the road. Have you ever had a moment where, oh, my goodness there went the camera, it turned on you. Im glad you didnt flip. Ill talk out this window right here. Hello. Have you ever had a moment where you thought ive got to take control of this car . No. Not where i had to take control of the car. I have not. Have there been times where ive been a little frustrated because i wanted to go always little faster than the person in front of me and will car said the lane is not clear, but at the end of the day, the safest choice was to wait for that lane to be clear. Ultimately if youre making a poor choice as a driver,clear, but at the end of the day, the safest choice was to wait for that lane to be clear. Ultimately if youre making a poor choice as a driver, it nt would let you lane change. Thats what i was going to ask you. But phil what about when this technology will be widespread enough for people to choose to adapt it or not. And how much is it going to cost . The question of cost remains to be seen. There are 20 sensors and cameras in this vehicle. Cameras for mobile eye, valaeo. Audi expects this technology to be in vehicles within the next couple of years. But heres the question. Will state regulators approve this technology. Im comfortable driving down the highway not holding the steering wheel, but will a state regulator say it makes it foor too easy to pick up the phone and text away and not pay attention. How difficult was it or is to program the car to your december tigs that i and what happens when you get in to city driving . Well, two things. One, im only licensed in the state of california by the state of california to drive this in california. Once we get to nevada the audi engineers are have to take over. Because were not licensed in nevada. But in terms of taking control, its this simple. I can either hit two buttons here orky just grab the steering wheel, im back in control right now. And i can slow down i can speed up as necessary. And this is a vehicle that is only for autonomous driving on the highway. It is not yet programmed where you can put in a destination and it automatically takes you off the ramp into the neighborhood. But thats coming. They have traffic jam assistance in the future on the way. So well see all of this. The technology is there. The question is whether or not the regulators and the public will be there when it comes to just pressing two buttons like this and it lights up on the front tells me the car is now in control. All right. Phil, thank you very much. Good luck. Be safe. Very cool. Yeah, be safe definitely. See you in vegas. We just touched down about 330 points. So as you can see, the first full trading week of 2015 is getting off to a really rough start. The dow extending its huge triple digit loss with chevron, exxon, caterpillar some of the biggest losers today. It do be thecould be the ticking time bomb for charts. This is the one chart envery investor needs to see coming up. Blue chips are down more than 300 pounds. Caterpillar on a downgrade today, one of the worst performers if not the so far. And chevron the big laggard so far. Cocacola and merck the only into in the green bucking the trend. So two positives out of 30. Back to you. Amazon announcing that its Third Party Sellers sold more than 2 billion items in 2014. And that accounted for more than 40 of the total unit volume sold on amazons site. Morgan stanley warning that some of its Wealth Management clients had client data stolen by one of its employees. And American Airlines pilots union tentatively accepting a Contract Offer that would mean a 23 wage hike if the members of the union go for it in a vote later this month. Sue. Gold prices are closing right now given the volatility in todays market, lets check on things. Were up about 1. 5 on comex gold for the february 15 contract. Lets see about silver, cop, platinum and palladium. A mixed bag. Copper on the down side but thats worries about Global Growth. The silver market platinum and palladium are all on the up side. Platinum leading the way. Now to the bond market which has really seen some inflows today. And Rick Santelli is tracking the action on that and the current city mar currency markets for us. A lot like last year, traders down here say you dont need to be brilliant to be buying treasuries. They just keep looking at the dax, the cac, the s p, the dow, nasdaq. All roads lead to buying treasuries. Look at a two day chart. First trading day of the year, friday, we were getting close 2. 25. P so it really has been nothing but staircase lower. Very few bounces in yield or purchasers are or sellers seem to be coming in. If we open the chart on the bunds, you did see it didnt settle under 50 basis point. But this morning we talked about the 1. 57 spread. If you open the chart up to november its gotten down to 1. 52. Tomorrow traders position ss think 2 here, 50 basis points, there is your 150. Im talking canadian dollar. Look at the dollar versus canada canada. At the extreme since 2009. Back to you. Lets go back to ec and dominic chu for a market flash. In check out what is happening with suntrust banks. The stock is moving lower down at session lows after the Regional Bank said its 1 20 142014 Financial Results will include 17 cents a share for legal expenses. Those shares down 3. 5 as a result. Stocks dropping so far in 2015 and there is a major fear factor that has investors frightened. What could be a ticking time bomb for your stocks next. Plus dont miss the premiere of marijuana country, tonight at 9 00 eastern on Cnbc Harry Smith takes us inside americas cannabis boom. Have you heard of the new dialing procedure for for the 415 and 628 area codes . No what is it . Starting february 21, 2015 if you have a 415 or 628 number youll need to dial. 1 plus the area code plus the phone number for all calls. Okay, but what if i have a 415 number, and im calling a 415 number . Youll still need to dial. 1 plus the area code plus the phone number. So when in doubt, dial it out it if you woke up early and went the other way, here is how three key efts are fairing. Sh goes against the s p. Dog goes against the dow and psq runs against the nasdaq is 1100 and youd be up at least 1. 3 across the board. Socks going the other way dropping as oil plummets to its lowest level since 2009. Tocks going the other way dropping as oil plummets to its lowest level since 2009. Dow down 2 98 points. The question is why are we in this mess on january 5th and the answer is because there are a few macro themes are that are continuing to play out and the Trading Community is just pressing them again. Theyre not that smart, folks. They follow trends. So we have three big trends that are continuing into 2015. We have weak euro, strong dollar lower oil and incredibly enough we have lower buying yields. So traders say lets short the euro and oil and go long the bonds. I cant believe were doing that, but that is what is going on. So here you see the knockon effects. One thing that is interesting, shale stocks for example had been trying to find some stability in the last couple of weeks. Look at oasis, whiting, continental. P not today. These are not typos. Double digit declines here. Continental, a big one in the bakken, it was in the high 30s for a while. Just two weeks and everybody thought, oh, heavens, it stabilized at 37 or 38 and who today now today, boom. So traders pile in and say sell it, sell it and anythey follow the trend. Today, boom. So traders pile in and say sell it, sell it and they follow the trend. The strong dollar is hurting term names. Weak euro discretionary stocks are also moving on the weak side. So 2 declines in other major sectors. Not just energy. S p 500, a number of technicians called me this morning and said the 50 Day Moving Average for the s p was about 2040 and it broke that just prior to 10 00. We drifted lower. There may have been technical selling as well as the weak european close. And finally, santa claus rally which ends today, not much of a rally here folk. Its down about 3 in the five days after in the last five trading days of the year if we close right here. So santa claus rally is not working. Very quickly, on the Energy Stocks the white house says the president believes the Keystone Pipeline would have little impact on gas prices. Hes not saying whether hed veto the legislation, but is that playing in to the Energy Sector . Not a lot today, but im rather surprised how much the president has been pewaeneen poopooing the pipeline. I think its important myself. Ive been a supporter of that. But i think hes sort of straddling the pens trying to decide whether hes for it or against it. Certainly doesnt seem ennews yak tick. No not from this headline anyway. Bob, thank you so much. I love bobs friend bakken stocks. Are you wearing your bakken stocks . I wear mine all the time. Only in the summer, though. Right. The winter is too cold. Smart money always has at least one factor that they look at to tell them its a tell tale of which way the market might move. And this year is no exception. Dominic chu is looking at one major market metric often a tell tale. Not the death knell to anything in the markets. Todays markets notwithstanding. So it kick off 20 15rks we decided to relaunch an improved online offering called cnbc pro. Its a subscription based product meant for real market junkies. One of the stories youll find there is a look at something called margin debt or borrowing money to buy stocks. This data is released by the New York Stock Exchange every single month and as you can see here first of all, the amount of money people are borrowing to buy stocks has reached a peak level. In absolute dollar tirm serm, were at the willhighest level ever. Thats to be expected. As you can see here we hit these types of peaks, these circles, right, around the internet bubble and then before the financial crisis. Experts are divided on how important this kader is, but one thing that it might indicate is that when stocks fall in value that downdraft for stocks could be a lot more volatile. Investing john malloys piece is up on cnbc. Com right now and for a limited time, there is free review of the pro product. But for right now look at this close to 3 of gdp, thats what are margin debt represents. And you can see the other two times weve had really bad issue, i will say though, this is not again a death knell for the markets. Remember, you can go a long period of time with people borrowing to buy stocks and still have market sustainably higher. This is not to say the market will crash in 2015. Its just something that a lot of traders are watching. Look at that since 1958, the average is nearly around 1 . Its up to 3 . Really surprising. Thank you very much. Sue, down to you. Marijuana country airs at 9 00 eastern tonight. And if one scene, they get caught right in the middle of a raid. Dow transportation having his worst day. Leading the way, ch robin so that and Union Pacific and conway conway. So tough day for transports. Back to you. Its been one year since colorado became the first state to legalize Recreational Marijuana. And as harry smith reports now in a new cnbc documentary, colorados underground pot trade is thriving but also cloaked in code and indicators to a different clientele. There is no selling. Im not selling anything. Hes just giving me some money. And im just giving him some cannabis. Reporter ray green is a regular. Appreciate it. Reporter he can buy in dispense dispensary, but buckler is just a phone call away. After hours and stores close at 7 00. And its convenient sometimes to have a caregiver. Well, harry smith is with me and brian ruden opened star buds a year ago. Write brian, great to see you. First of all how is business . Hi brian. Hi, everybody. Thanks so much to having me back. Business is great. The Recreational Marijuana sales have been good all year actually. I was worried it would taper off, but its been vopg still. Harry, what was the most surprising thing that you found this time around . How much time you got . Youve been following this story. Every minute out there is a jaw cropping experience. Weve been with him, weve been in all these different dispensaries. The guys who are crossing the ts and dotting the is theyre making serious cash. A lot of regulatory hurdles to get over. The goal post moves a lot as your guest will be able to say. But those guys who are meticulous and on it theyre making money now theyre going to make a lot of money in the future. Brian last time we talked to you, one of the issues was cash. In other words, what do you do with the cash. Banks dont necessarily want to be associated with your type of business even though its now legal in colorado. Have you been able to work around that or solve it . What do you do . Yeah, so to some septemberextent ive worked around it. Ive found some credit card vendors who have let me have a merchant account with them. So that eliminates a lot of the cash. But its still and ongoing issue. There are some banks that are talking about figuring out how to work with the federal government in the new year. But nothing solidly in place kret. Yet. You said those crossing the ts and dotting the is. A lot of people not made fun, but they laughed a bit about the Business Aspect of it. Some of the stoners have come out of the basement and have become real businessmen. When we were there, there was a day when all the credit cards were shut down. You couldnt walk into a dispensary and they were all shut down everywhere. So that was one of the ways around it. We talked to a lot of people in the business who have found relationships with banks who will up and quit on them at a phone call the day before taxes are due. My bank is gone. So that is still very much a very touch which i area. And one of the business of well, mark twain said if there is a gold rush get picks and shovels. One of the Fastest Growing businesses out there, security. I bet. Brian, best of luck to you. I know you want to expand into other states. And we hope youll come back and tell us more about that as you continue to grow your business. No pun intended. Thank you. Im looking to franchise throughout the country. Thats the next move for us. Harry, thank you so much. Enjoy well deserved time off. Will do. Marijuana country, the can that cannabis boom premieres at 9 00 eastern and pacific. Oil plunging so why are the Major Shipping Companies like fedex and u. P. S. Still raising their sessions. And we have the close settlement, for crude prices. So well take a close look at you how they settle on a very weak day. Crude dropping below 50 bucks a barrel earlier. Well will also be talking to the president of Group One Automotive a car dealer talking about how he all the lower gasoline prices are translating this to great sales for suvs. Will the good times continue. Well talk all about the outlook for automakers and auto sales this year. Join us at the top of the hour. If im louis, and i quit smoking with chantix. Quitting smoking is a challenge and its a lot easier to go into a fight when youve got somebody thats got your back. Having chantix as a partner made it more successful. Along with support, Chantix Varenicline is proven to help people quit smoking. Chantix helped reduce my urge to smoke. Some people had changes in behavior, thinking or mood hostility, agitation, depressed mood and suicidal thoughts or actions while taking or after stopping chantix. Some people had seizures while taking chantix. If you have any of these stop chantix and call your doctor right away. Tell your doctor about any history of Mental Health problems, which could get worse while taking chantix or history of seizures. Dont take chantix if youve had a serious allergic or skin reaction to it. If you develop these stop chantix and see your doctor right away as some can be lifethreatening. Tell your doctor if you have a history of heart or blood vessel problems or develop new or worse symptoms. Get medical help right away if you have symptoms of a heart attack or stroke. Decrease alcohol use while taking chantix. Use caution when driving or operating machinery. Common side effects include nausea trouble sleeping and unusual dreams. Chantix absolutely helped me quit smoking. Ask your doctor if chantix is right for you. Tough day for the defense stocks. Back to you. In this hour of power, the dow falling further. Right now were down 294 points. But we were down 330. Johnson johnson will pay isis phrma up to 835 million for the option to license three of its drugs targeting autoimmune diseases. And a u. S. Bankruptcy judge approving the sale of revel casino to a florida developer who paid 95 million. Ty up to you. You know how much it cost to build the revel. 2. 4 million. Major shippers are raising prices. Morgan, why . Because they can . Theyre doing this because they can. There has been this whole argument about oil and oil key clink. Is this all about capacity. So analysts say americas love favor with Online Shopping is giving u. P. S. And fedex a chance to boost prices. Fedex is hikings rates on average 4. 9 . U. P. S. Mattp ss made the same increases a week ago. Here is what is new. Dimensional pricing or charging by size as well as weight on all ground shipments. This directly targets the bulky white weight packlight weight packages that take a bunch of room. Both announced the new pricing structure before oil began dropping. Ground rates will jump dramatically especially for smaller businesses that cant change their packaging as quickly as amazon or staples. The bigger benefit is more stays in trucks and planes boosting capacity without investing in larger fleets. The other thing to keep in mind, oil prices are already accounted for in fuel surcharges which are reviewed on a monthly basis. So the takeaway as ecommerce continues to grow, carriers are trying to find ways to keep up. And one of the ways theyre doing that is incentivizing their customers to pack more efficiently. Morgan, thank you very much. That will do it for power lunch. Down 309. Street signs starts after the break. Oil and the dow are both falling. Is the potential down side of lower prices hits home. Welcome to street signs. Huge market day today. Nearly every dow stock is lower, and the question that everybody seems to be asking where exactly is the up side to lower gas prices. Lets look at the reason behind those lower gas prices. Crude wiping out 50 a barrel earlier on for the first time