our panel. we got a full house today. steve, you say slam the brakes on this plan, why? >> because government involved is going to be a waste. you look at other infrastructure fed ex and ups and railroads got out the way, great infrastructure, let's have the private equity involved, public-partnerships private partnerships and you get more for less. you get bloated wages and more bang for the buck by bringing in free market. >> dave: what is wrong with the free market taking the place of government boondoggles? >> for one thing it is not happening quickly enough. we have a serious problem that all of us should agree to. there are certain things like roadways that you cannot give a monopoly to a private company. >> dave: it's a public monopoly? >> don't you feel better with all of us own the government having control over the roadway than one private company. >> dave: i've seen so many of those public projects with guys sitting around. they take five times as long as private project. rick has a point on infrastructure. it is crumbling. listen to what ray lahood pitched this infrastructure plan. >> i don't think you would be turning off people in america because they know america is one big pothole right now. >> dave: there are a lot of potholes? >> i agree. what happened with the last infrastructure spending in the surplus spend. guess how much highways got? a big, fat zero. in new jersey it was sent on highway ramps to nowhere. >> dave: there are road to nowheres in new hampshire. >> that one ended up in a concrete wall. the scan village, population less than 200, they got a $15 million airport. why not newark or las vegas. it's a big pork barrel project where the states spend the money and they get to a monopoly on this money. >> dave: i am thinking of the big dig in boston and terribly corrupt. scheduled for $2 billion and ended up costing $15 billion. new york has a second avenue subway system they have been building for 40 years. do we need more of this? >> we don't necessarily need more of this. going a back to steve's point, public private partnership, it takes a certain amount of money and spending from the government actually i think we need to be spending money on infrastructure maybe more smart than the examples. if you look at infrastructure spending when it is done correctly it gives you a bang for a buck. it can create economic and job growth. countless studies a recent one from the san francisco federal reserve that show this. down the road you see less air pollution and less health care. >> dave: so many times you see delays on projects and corruption where local contractors try to get as much as they can out of the government. is that ever going to change? >> no, it's not going to change. when rick unger says we have an emergency, i worry about my taxes going up. if we want better roads and less traffic it is easy. bid it on these road building to private motivated entities. you will see innovation and prices for the times that you drive those roads. it's through market forces, don't hand it to the government. >> dave: rich, we had an ice rink in central park. it's a beautiful place. the city government was working on it for years and cost overruns and finally donald trump stepped in and said, hey, look, give it to me i'll do it in six months at half the cost. he did it even faster than that. doesn't steve have a point that private sector should be linda in author these things? >> steve makes a great point. i understand rick's impulse here. if you go back to the 1930s, a lot of public works projects were accomplished and did pretty well. you have things like the golden gate bridge four years. now it takes seven years to build an access road to the golden gate bridge. we have extraordinary stopping power from environmental groups, public work unions have slowed down everything. it just doesn't work like liberals want it to work anymore. we have to do a private mechanism. >> dave: let me throw a bone in rick's direction. we have an incredible highway system in the united states. that was done in the 1950s. can't we replicate that when it comes to bridges? >> if we couldn't do it under president obama in 2009 when they were spending hundreds of billions of dollars, the answer is no. the regulatory morass is insurmountable and politics play a role. we waste hundreds of billions of dollars on mass transit. it has a role in certain parts of the country but tens of billions that could have been used for real infrastructure. >> dave: so there may have been a time when massive projects, there is too many regs to make it efficient. >> i don't see the private market stepping up to do the job. wait a minute, this country is turning into a third world nation. our infrastructure is truly crumbling. >> they are using private contractors and there are questions at that level. we have an oil and gas boom. our infrastructure at that level is poor. there is a bottleneck at the refineries. we're going to need more than pipelines to make that part of the economy. >> dave: rick has a point when he goes after monopolies but the worst is the government. all the private sector competition and that leads to corruption, no? >> i think you can point to that, but you can point to positive examples where infrastructure spending has done good. salt lake city is a good example. and also one of the strongest job rate growths. the transportation has a direct link to that. >> utah is low tax republican state. come on. >> it is. >> new york and san francisco and chicago with the corruption and the public employee unions, forget it. >> dave: how many of these light rail programs to fuel efficiency very few, right? >> i come from southern california and they are never used at all. when we talk about infrastructure, yes, we have an impressive national highway system, but the unseen is how much more cheaply it would be built today if we left this to private profit motivated companies. >> dave: last word from john, thank you. from 9:00 to 5:00, to 24/7. answering calls more than ever after hours and some are suing bosses to pay up or should the workers suck it up. ♪ ♪ everybody is going on the deep end ♪ ♪ everybody is needs spend a day ♪ ♪ using cloud computing and mobile technology, verizon innovators have developed a projective display for firefighters. first stairwell. allowing them to see through anything. south side of the building. south side. because the world's biggest challenges deserve even bigger solutions. verizon. try align. it's the number one ge recommended probiotic that helps maintain digestive balance. ♪ stay in the groove with align. ♪ need help keeping your digesve balance in sync? try align. it's a probiotic that fortifies your digestive system with healthy bacteria 24/7. because your insides set the tone. stay in the groove with align. life from america's news headquarters, i'm heather childers. three deaths are being blamed another blizzard. here is a look at the latest snow totals. more than three feet in connecticut and two feet in new york and massachusetts. the heavy, wet snow rained down on power lines, knocking out electricity for more than 660,000 homes. connecticut has ordered all roads from maine closed until further notice. emergency responders are getting stuck on the highway. national guard is helping to clear the roads. in massachusetts, enforcing mandatory evacuations of the coast due to rising tides. a town, icy floodwaters have breached a seawall. police have received dozen calls from stranded homeowners. now back on forbes on fox. for the latest, log on to foxnews.com. >> i was hoping you could get a flight from miami to new york tonight. >> to new york, it's coming in tonight. >> i'm trying to get a flight tonight for tonight to miami. >> dave: not just the fashion istas, making work calls hours offer after clocking out. chicago police want overtime pay for that. if they win this case could reverberate nationwide as other workers look to do the same thing. rich you say no way to extra pay why not? >> it's just ridiculous. in a 24/7 world wo people would have that kind of complaint. it comes with the job with every other kind of job. in the private sector, if you ask for a raise or in this case overtime, you should do your fundamental job and chicago that leading the country in the murder rate, 700 murders on track for this year and they have the gall to ask for money for emails? >> dave: i don't think you agree? >> i more or less do. i don't care how this case goes. it will be fun to watch but i think it will be interesting. do the police department, do they want their emails vetted in court. that will be interesting. i agree with rich in the private sector, you work overtime and you do extra work in the hope that in the future, you are going to be rewarded whereas unions are focused on doing less and getting paid more. i find that contrast very evident. >> dave: you have a lot of family members in public service firemen, but you are not sympathetic on this one? >> for a legal matter, written contract and written policy says if i want overtime you have to ask for it. case closed. though should ask for it basically right on the job. so the fact that they are suing to get it is confusing. these are the guys -- listen i have a lot of friends in law enforcement. maybe the guys should pay back for all the donut breaks they take. we know there is a lot of abuse in the system where basically file for disability right before retirement to double barrel the money they can get in retirement >> dave: let's expand this a little bit. we don't want to focus on one community here because there are a lot of people complaining that workers are asking for extra pay for stuff that used to be considered that. the wonderful superbowl ad and first 40 hours before the end of tuesday night. that used to be the work ethic we were used to here? >> yeah, i love that commercial, but i saw myself asking the question paul harvey would have said the same thing if he had seen today's agriculture. billions in government subsidies and all that. every generation, when i was a kid i worked hard. people work hard. we work harder in america than any industrialized nation. >> dave: we do and there are still a lot of those farmers and lots of people are putting in extra time. steve, i think back to the doctors who used to be on call all the time. it's pretty hard, but it's hard to get a doctor on call. nowadays, everybody wants extra money? >> you can see what it did to education where teachers did struck go down the blackboard after work and -- scrubbing down the blackboard after work. how about focusing on the job itself and people would gladly pay you more if they were getting value. >> dave: adjudicate we pay more or not? >> i am all for paying overtime as long as the same employees get under time on the job. if you take an email, you get docked. you order pizza you get docked. you have facebook, you get dock. i think facebook could be worth $300 billion a year. [ laughter ] >> dave: always with a little side pocket. why is eric bolling at the post office? find out what she delivering and how it could save billions to taxpayers. and another multibillion dollar bailout may be coming for the mortgage industry. is it time to get government out of the house go for good? [ male announcer ] i've seen incredib things. otherworldly things. but there are some things i've never seen before. this ge jet engine can understand 5,000 data samples per second. which is good for business. because planes use less fuel, spend less time on the ground and more time in the air. suddenly, faraway places don't seem so...far away. ♪ another bailout alert. government is facing a massive shortfall. also we showed you traffic jams is costing a for >>. >> dave: deja-vu, a report that shows housing administration mortgages made by private lenders facing a whopping $6.3 billion shortfall and housing experts are warning that a taxpayer bailout is imminent. you say it's time to get washington out of this? >> why is it not called theft when the federal government takes my hard-earned dollars. i don't own a house and gives it someone else that wants to own someone. if i rob my neighbor the police will put me in jail but not seen as theft or crime when people will vote for politicians that will take from me so people can own houses. >> dave: it's not like the programs are smashing success. every time when the government gets into these programs, it seems to be a failure? >> you can argue that pointed with the more recent programs. i hate to be the bearer of bad news. if you want to take uncle sam mortgage industry. between fannie mae and freddie mac and fha those three entities underwry all of the home loans. as long as the americans want a 30-year fixed you are going to have uncle sam in the picture. >> dave: that means a disaster on s on the way. fha insured about 740,000 loans that were in foreclosure, about 10% of the one trillion dollars of the mortgages may be in trouble? >> that may be an understatement. the government will throw them out of business because the government guarantees of fannie and freddie and fha, government is not around we don't have a market. privatize them and break it up you will get a private market and in terms of government, governments hurt the housing market. we have dozen countries that have higher ownership than we do. >> dave: when the government tries to fix the mortgages it fails 40% of those mortgages that have been reconstructed are now in foreclosure again? >> you are probably right. i think john is too hard on some of these government insurances. don't end them. let's put a $50,000 cap on things like mortgage insurance. let's put a cap on deposit insurance. $50,000 cap on crop insurance. >> i'm for a simpler approach. steve makes it simple, take it out of the hands of the government. it s it too late to do that? >> this was doomed to fail for a long time because fha loans typically require a lower down payment than non-fha loans, so the lenders are giving loans to people that are going to default and be repaid by taxpayers. this is scheme by federal government to redistribute wealth from higher earning people that pay higher taxes to lower income people. that is all the is. >> dave: one of problems is we have so many federal agencies involved. we nationalize fannie and freddie. as i mentioned all these programs that the treasury department started. how do you untangle the bureaucracy? >> you let them expire and privatize fannie and freddie and hfa and -- fha. politicians will raise it that is what you see with deposit insurance. you have to get them out, period. >> dave: if that happens, will there be people whose loans are in the process of modification who are kind of stuck in the middle, who fall in the middle? >> i think this whole process, it would have to take years and years to happen. what worries me probably the most as far as fha is concerned, what it does to first time home buyers that has been a huge part of this market. so i do think we should look like 3 1/2% down payment but there is place. >> dave: you get the last word. already, we told you cold, hard cash you are wasting in traffic jams. now stocks to get you in the fast lane. you will want to hear about this coming right up. 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[ male announcer ] cleaner, fresher, brighter every day. >>. >> dave: and we're back with the stocks to recoup your losses. >> the energy company, hedging production and they pay a hefty 9% dividend. >> morgan, they cover the dividend by northern trust a financial. >> this is a business to protect your assets from the people running the government. >> i like the stock but it's like watching it it very slow growth. >> and watching paint dry. >> kronos worldwide, they make pigments for paint. >> they only make one pigment, do you like them. >> rising costs leading to lower profits. i'm nervous about. >> dave: that is it. have a great weekend. here is eric and cashing in. >> eric: neither snow nor rain, you won't need to check your mailbox today because the post office is stopping their six day delivery. is that the answer or is there a better plan that will deliver for you? "cashin' in", never taking a day. '0. >> our "cashin' in" crew is all here, also joining us, kristen dorsey and first the postal service raises the prices of stamps and saturday mail delivery as costly union contracts and declining demand are burying the service in red ink. let's hear what you think. >> what do you think about the post office killing the saturday delivery? >> check the mail on saturdays, saves me a trip out of bed early saturday morning. >> i don't think it will affect me a lot. i get most of my bills online. >> i think it's a shame that the post office has to do that as a method of saving money. >> eric: that is exactly why jonathan says return this plan to sender and privatize instead. >> the constitution says that congress can establish a postal service it doesn't have to say it owns and running it. they are losing billions of dollars year after year. that is because it is run for political purposes and not economic purposes. if you privatize the post office you would see hundred billion dollars come in to the government. you would see better outcome not much different than when airfares were deregulated. in france and germany and denmark they do it that way worldwide. >> eric: does anything work better when the government gets their hand on it? >> not that i of. to jonathan's point, we have privatized certain things the there was no fed ex and no private mail services. in fact, it shows that the private sector can do it better. when it delivers on time, it works all those private companies work very well. we ought to privatize the post office as soon as possible and get rid of all of this. >> eric: you see keep the postal service even to a $12 billion loss, that is how teacher on the hook for, but you say keep it anyway? >> why are we trying to treat the post office like a business. its constitutionally aloud function and it has a universal service requirement that no other private sector delivery company has nor could provide at the cost that the postal service does it. to treat it like a business is not to recognize as it is. none of you have mentioned the reason they are swimming in red ink, it has a congressionally mandated requirement to pre-fund health benefits out to 75 years. there is no other company has to do that. >> eric: i'm going to to you, they spent $51.5 billion for current workers to salary and benefits and that comes to $28,000 per? >> doesn't it make it a business? it has financial statements. they don't work. they are all red. they are not matching dollars in dollars. this is economics 101. we have to look at it as a business and its failing business. i get what you are saying. a lot of people out there that are going to suffer if the post office goes down but at the same time they are suffering because the world has changed. nobody uses first class anymore. i send birthday wishes via email. what are you going to do. >> this isn't a business. this is political patronage system. postal service has as many workers a as walmart. we can't afford the business model if there is one doesn't work. private companies -- this company, the postal service is swimming in red ink. >> eric: postmaster general, $512,000. he makes more than the president of the united states. >> he is one guy. let's talk about the 400,000 postal workers, largest employer of veterans, large employer of minorities. these are middle-class jobs not $500,000 a year jobs. >> it's $28,000 and take it divide it by the employees, it's $82,000. jonathan, what about the unions. let's talk about the postal unions. >> 80% of their yearly expenditures go to the union job benefits. they are tremendously inefficient and pensions are backed up by the taxpayer. it would literally cheaper to buy everyone a computer and posmtd box and kinkos. there has been no innovation. if you try to privatize you would have new innovations. there is a reason apple's product has gone up and post office has gone down. >> let me get wayne in here. let's play -- you are a numbers guy. if it was a free market only influenced business, what would the cost be to send a letter from new york to say san francisco? >> i can't do that calculation. i have to say this in answer to what christian is saying. you are saying it's not a business. why not? why shouldn't it be. you are taking the position that it is mandated and shouldn't be. i say it should be. why not make it that so the taxpayer -- what right does of the public have to coerce me to take money out of my pocket and give it to some postal worker because you think it is a good idea. that is not a good idea. >> eric: answer the question? >> it's about providing universal service. to answer your question, we already see by ups ground if you were to same the same letter it will cost you more than ten times to send it by ups ground. >> the private sector, you will have competition come in. the price of one letter will come down. right now it's here and there. they have a right to charge a premium. you get it privatized and it will work itself out. >> what is more, ups is losing first class business. it's not employees, it's the infrastructure. there are too many post offices. when he post office started they had one post office for every 10,000 americans, now they have one for every 53,000. we have too many buildings and too many people and it's too expensive. >> eric: the way this works the post office when it runs a deficit like the last three years in a row they go to the u.s. treasury department. they post a letter of credit and treasury hands them money. what happens if the post office defaults. who is on the hook for that money? >> the taxpayer is on the hook for all of it. this is not -- this notion, they have endorsed privatizing it. and to provide universal service g-mail provides universal service for free. post office does it to the tune of billions of dollars that taxpayers stand behind. >> eric: great discussion. how is a college degree for only ten grand sound? a number of states are making that happen. is this the best idea to save money or will it end up costing taxpayers even more money. this woman, caught on camera, shocking new video, entitlement fraud, wee do we need to cut all entitlement programs? ♪ ♪ ♪ ♪ ♪ hi, i'm phil mickelson. i've been fortunate to win on golf's biggest stages. but when joint pain and stiffness from psoriatic arthritis hit, even the smallest things became difficult. i finally understood what serious joint pain is like. i talked to my rheumatologist and he prescribed enbrel. enbrel can help relieve pain, stiffness, and stop joint damage. enbrel may lower your ability to fight infections. serious, sometimes fatal events including infections, tuberculosis, lymphoma, other cancers, nervous system and blood disorders, and allergic reactions have occurred. before starting enbrel, your doctor should test you for tuberculosis and discuss whether you've been to a region you should not start enbrel if you have an infection like the flu tell your doctor if you're prone to infections, haveuts or sores, have had hepatitis b, have been treated for heart failure, or if you have symptoms such as persistent fever, bruising, bleeding, or paleness. 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[ doctor ] enbrel, the number one biologic medicine prescribed by rheumatologists. >>. >> heather: live from america's news headquarters. a memorial service going on in chicago teenager an innocent girl that was gunned down in the crossfire of gang-related violence. hundreds of mourners including first lady michelle obama filling church to capacity. first lady met privately with the family and walked the mother to her daughter's open casket. the girl was killed days after performing at an event for president obama's inauguration. >> the manhunt for an ex-cop underway. camouflaged s.w.a.t. teams combing the mountains searching for chris dorner. a former police officer accused of killing a young couple on sunday and killing one officer on thursday. i'm heather childers. i'll see you back here at 4:00 with gregg jarrett. >> eric: bargain bachelor's degree. the cost of college a whole lot cheaper. try ten grand for a four-year degree. which states are doing that. first, wayne, you say that th will lower all college tuition? >> it's competition. if one state is going to do it. people will go to the cheapest possible way to do it. another thing going on. you realize that not only colleges, i'm talking about colleges sponsored by the states and universities, we also have a number. in fact there are so many private companies offering educational degrees that we have an etf that you can buy that encompasses all these schools. school competition, it will bring down the price and that is what is working. it's working in the private sector like we were talking about the post office. it will work again here. >> eric: do you like this idea? >> i think it is worth explaining but it's not going to do what wayne desires, not every school offering $10,000 and certain programs. what i fear it could do it with wildly inflate the costs of other degree programs at the very same school so other students could be made worse off. it's worth exploring. >> this is best idea bill gates has done since windows. the average college graduate has $23,000 worth of debt. they are delaying childbearing, buying a house and having a family because they have to pay off all this debt. this is fantastic idea. if you can get a loan and that is what is pushing the prices. >> eric: you don't like this idea? >> the answer that we're giving free money to our kids. we get the kids locked in into four-year schools and then they say you have to get more money. someone will have cheap $10,000 degree and everybody else suffering. >> there is another one, another law of unintended consequences. when you gave everyone that wanted, gave them a loan for home. we had massive loan default. is it going to make the college degree, the same exact problem with college degree with subprime loans. >> we have a trillion dollars outstanding in the student loans. it's up about 440% in the last couple decades. to tracy's point, that is because of government's involvement in education. the idea of promising every kid a $10,000 degree is just as assinine as promising people health care. >> no, no, i'm talking about the internet and getting your education remotely. they can pay off the debt. it diffuses the debt. >> it just exacerbates the problem we already 6. >> hold on. >> if you start this, to jonathan's pointed, i get what jerry is saying, use the web, but if you start with the state run schools you will have the taxpayer filling the void. >> eric: it costs a lot of money go ahead. >> that is presumption. that is presumption you are making you are automatically saying if it's going to cost $10,000 therefore somebody else is paying for it. kids go to college right now on scholarships. they don't pay anything. who pays for that? the school pays for that the endowment pays for it. so private schools are working. why not? >> eric: the only difference we're talking about wisconsin, florida and texas, three state run schools. that is what we're taking about. you are not going to believe what this woman is up to if you pay taxes. this video is going to drive you bananas. grab a cup of coffee and come right back. ♪ ♪ ♪ ♪ ♪ i have a cold, and i took nyquil, but i'm still stubbed up. [ male announcer ] truth is, nyquil doesn't unstuff your nose. what? [ male announcer ] alka-seltzer plus liquid gels speeds relief to your worst cold symptoms plus has a decongestant for your stuffy nose. thanks. that's the cold truth! coming up entitlement fraud. does it mean lawmakers need to get the stick right now? ♪ ♪ ♪ >> eric: take a deep breath, because the video you are about to see is going to make your blood boil. she is playing drums and she is collecting disability for post-traumatic stress disorder and you are paying for it from your tax dollars. this is long examples of abuse. wayne, you say the only way to cut the abuse is start trimming the programs that democrats don't want to touch? >> you have to. the biggest problem there is no incentive to do anything about it. if somebody is getting a check and not doing anything, there is no incentive to not commit fraud. it's going on constantly and people that are in prison for god's sake and people that are dead and people are collecting money. it's another thing that the federal government cannot run. they don't know how to do it. they are all dumb, i don't know. >> eric: jonathan? >> the best way to end entitlement fraud is to end the entitlements. the entitlements themselves are fraudulent. they operate only through force and coercion not through voluntary trade. and they are lose, lose for everyone. and taxpayer has to pay for this. but the recipients that become dependent. >> eric: i have a list. there is a stack paper, medicare $91 million for 2600 illegal immigrants. that is wrong. hud, 30,000 ineligible non-citizens, more entitlements the more waste, fraud and abuse, no? >> i'll add one more to the list. large corporations, military contractors, $8 billion in fraud charges against taxpayers to add to your list. also, let's keep in mind that corporate fraud over the last seven years has more than doubled. fraud is way of life. i'm sorry to say. it's regretable in all situations but to think you get rid of it because of fraud doesn't make any sense at all. we don't get rid of mortgages for deserving people because some people commit mortgage fraud. >> corporate fraud, you are right. so does it make taxpayer fraud any better. >> look. hundred billions of dollars a year if fraud, clearly we have to scale back these programs. i don't want to end them. that i think that is wrong. we are paying too much money. 53% of the entire budget in entitlements and what is more, have you seen the way food stamps are advertised, it's a weight loss program. we can't do that. >> eric: in polk county, iowa, inmates 30% were illegally collecting food stamps. >> here is the thing there is no oversight. no there is no oversight. it's really easy to put the social security on it. >> eric: there are all types of fraud? >> it doesn't make it right at all. that is what i sounded like to me. this is only exists in government programs is completely salacious. >> eric: hold on guys. christian, i'm not existing that it only exists in taxpayer programs and bigger fraud. >> let's agree on this. let's fight the fraud but to take social security benefits away from deserving people doesn't compute and make sense either. >> eric: i'm going to say thank you for joining us this week. coming up, if they are not burning our flag in the streets, they are building a theme park around the compound where our troops killed bin laden. is it time to cut aid to pakistan for good? more "likes." more tweets. so, beginning today, my son brock and his whole team will be our new senior social media strategists. any questions? since we make radiator valves wouldn't it be better if we just let fedex help us to expand to new markets? hmm gotta admit that's better than a few "likes." i don't have the door code. who's that? he won a contest online to be ceo for the day. how am i supposed to run a business here without an office?! [ male announcer ] fast, reliable deliveries worldwide. fedex. i'm here to pick up some cacti. it should be under stephens. the verizon share everything plan for small business. get a shareable pool of data... got enough joshua trees? ... on up to 25 devices. so you can spend less time... yea, the golden barrels... managing wireless costs and technology and more time driving your business potential. looks like we're going to need to order more agaves... ah! oh! ow! ... and more bandages. that's powerful. sharble data plus unlimited talk and text. now save $50 on a droid razr maxx hd by motorola. >>. >> eric: what do i need to know for next week. >> we think the aid to pakistan, they spin off and take $30 million and build an amusement park where we killed osama bin laden. >> that is outrageous. >> what do you say, sir? >> i said a couple of weeks i would be wary of putting new money to work, but if we have to look at couple housing etfs. >> eric: jonathan, you like the u.s. dollar now? >> it's been a badmouthed everyone from mahmoud to gizelle but the yen is multi-year lows. gold is tremendously weak. i think the u.s. dollar is on the upside. i think it rises up. >> eric: i know exactly what you are up to. the dollar goes up the gold goes down, you said gold was going down. you are supporting your position. >> i'm trading my position. i put my money where my mouth is. i this these are long held bets. >> eric: i'm going to say thank you for joining us. remember to weigh in all the topics we just discussed on twitter at eric bolg ling. have a great weekend everybody.