we were slowly getting in after that. only half of americans are invested in the stock market. half aren't invested in this. all of you -- almost all of you fill up your tanks. gas prices are moving up again, just in time for the summer driving season. you can see the national average is now $3.62 a gallon according to aaa. midwest states are seeing the biggest spikes because of problems at area refineries. folks in minnesota are seeing the biggest spikes in gas prices now averaging $4.15 a gallon. 53 cents higher than the rest of the country. i'm sure it's terrible in chicago. >> i'm headed there. >> it's tough in chicago. i live in new jersey where taxes are low. we have low gas prices relatively in new jersey. in the upper midwest those are higher. because of refinery issues -- >> on top of texas. >> expect it to keep moving up. >> what's the one thing we have to know?