The virus is the shadow over all of this, as it continues to pick up the pace in the united states, and we are starting to see the number of cases picking up in europe. We are going to talk about that virus story a little later on, with a great guest lined up. Getting more insight on the pandemic and why cases are starting to climb again in europe. Cleghorn is going to join us and give us some insight as to what is happening here. We have seen this big move in gold and we are watching closely what is happening with the negative rates story, what signals are we taking away from that . Joining us now to give us some perspective on all of this, alix is james athey. Help set up the conversation as well, Vice President ayden will give an economic speech later and some of the headlines were getting out of that speech, first off he says the fed should add diversity to the board as well as regional banks. He does back a realtime Payment System for fast cash access. I think all of these, when w