is talking about right now in business. that is this transition that we are about to watch of the federal reserve. the federal reserve had easy money. it was buying securities, it was having record low interest rates but the fed told us very clearly interest rates are going higher. i had an interview with a major money manager last week and the ceo of j.p. morgan, both individuals told me to expect much higher interest rates. jamie diamond says likely raise rates by 6 to 7 times. they said the fed will raise rates 5 to 6 times. this is a imagine or transition. the federal reserve was at an easy money policy and it is tightening things up. your mortgage rates and credit cards are going higher. interest rates are going higher and this transition is having a hard time on the part of investors and why you are seeing investors sell now and think later. we'll likely have this kind of volatility and a stock market