it all depends on someone's individual situation. but looking at it, there is no reason to sellout of the stock market. it is expensive relative to growth. they are undervalued and still today, and that is because corporate earnings came in stronger than people had expected and so the way you value stocks is not if they went up. no one would stay invested and you value them on expected earnings and where interest rates are. it always holds true. look at the evaluation and not the head lines. stay fully invested and unless you need that money in the next sex months or a year. you will look at your personal situation as to how much you take out. >> it would be over 16,000 with the dow. how significant is this? >> the number of the dow is not significant and the evaluation