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dominick tavella, financial advisor and president of certified financial consultants is here in studio with us. dominic, you say there are three bright spots really the headline in this? once we get past the fiscal cliff we know it will take some dollars out of the economy, whether it is higher taxes or entitlement cuts. it will create a little bit of a shock to the economy but there are bright spots we should look for in 2013. harris: there are three you said. what are they? housing, energy and huge amount, trillions of dollars sitting on the sidelines by corporate america, waiting to come into the economy once this picture clears up. harris: we re getting housing numbers coming this week already. we re starting to see prices rose a little bit this fall. that is a good sign. we re seeing housing starts have come up as well. so i understand that. energy. energy is a game-changer, it really is. we look what is going on around the world. the europeans, far east, they re paying over