week it was. i think any well rounded diversified portfolio should always have a about percentage of cash in it. but jamie, the person that cash is not king for would be the people that are retired, the people that are on a fixed budget, senior citizens et cetera. cash is paying virtually zero. one quarter of one percent is virtually zero. so for the people that have to live on their investment income if you are all in cash be that means by necessity you will be spending principle which is something that needs to be given careful consideration. >> jamie: michael, we want to retire. right, kelly? the american dream for us is some day sitting there with a pena colada. it is looking less and less, isn't it? >> one thing we learned is before the last decade really in the stock market, stocks averaged about 10% a year. you know, in most every way you