market. a real steep correction. and then we bounces d off of itt rates and it seems like they will. so 19.38%, that is a remarkable gain. a lot of people will remind me as we re talking, they will tweet us and say because you are coming off of this massive loss in december. that s right. so we are back to and a little bit above where we were. but what is happening why we re at records today, the notion that he will cut the fed will cut interest rates means that money will be cheap which means that companies can borrow to expand, keep hiring. that keeps the economy going. and fed chair powell talked about the strength of the consumer. the consumer feels healthy in the u.s. unemployment is low. wage growth is climbing. so the consumer is in good shape. what he is concerned about is