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Comes down to diversification and how many bonds and buying on the dips. neil: the older i get the less of a long term investsor i am so my question to you, todd, the immediate storm cloud and debt talk collapse, and washington is not addressing the serious imbalances we have going on, concerns of a double dip and the economy slows, the market cannot ride that wave as it has forever? guest: no, it cannot. you lock forward you can only suspect that corporate earnings will be hit with a slowing economy, especially if we do fall into the double dip recession period. you have to think, you have consumer discretionary incomes that are russia lynching shrinking. but that is a good point of kim, we have been riding through the worries and the market climbs the wall of worry but it has done that and what do you ....