over the last 20 years. look at this. we are set to see the best performance on the indices in some 20 years. you can look at the dow and there is the nasdaq and what the market have done. and where it is for the last 20 years. sue, would you say to people as they end this year, what should you take away from this and how should you walk out of 2019 and make of 2020 ahead? >> well, i think as diane put it, the fed basically has said it is not going to raise interest rate. that's a positive for a lot of consumers certainly and not necessarily for consumers. if you do your investment strategy so you are diversify. you should be fine. you can't get income from other aspects of this market because