process in terms of what you re buy, be diversified, university opportunities like this to meet with financial adviser and talk about goals longer term. this is what creates opportunities. we believe that we re heading into a 15 or 20-year equity bull market and the issue with u.s. investors in particular is, we think now they re under exposed equities and that s a real opportunity for the next 15 to 20 years to be reallocated. you made me feel better, brian. ta thank you. coming up, former president george w. bush once told americans, he told them how they could help the economy. i encourage you all to go shopping more. is a recent surge in spending saving the economy or dooming us to repeat history? everyone s retirement dream is different; how we get there is not.