so, keep being crazy, that is working so well. i don t grasp the common sense aspect of this. neil: you are speaking too common sense. but thank you for your comments. this is john from california, i wondered when is the stock market going to start panning out for the little guy? guest: well that is a classic cynicism. the little guy. little guy. it pans out for everyone equally depending on the money you put in or don t. but what is interesting the studies say when you lose $3 or when you lose $1 it takes $3 in gain to emotionally get past the cynicism so we went from 14,000 do you to 6,900 to 11,300 but everyone says i lost all my money in my retirement. you it take it out at the