your mortgage rate, however, your car loan rate, your credit card rate, that might go up sooner. it will go up sooner. >> to quote my friend paul with krn krn money, he said this is the dropping the mike moment. and janet yellen would begin at the first of the year. richard quest, go ahead. >> in 20 seconds, yes, bernanke took us into this. bernanke has begun taking us out of this, and he leaves jessica yellin a clean sheet with which she can move forward if and when she's concerned. >> janet yellen. >> that would be a promotion for one of our colleagues. if i have done that once, i should get a dollar for every time i make that mistake. janet yellen. >> you stayed up late hoping and wishing your mega millions tickets would win. thank you very much. let's move along here because we have more news on what we just reported just a