week. neil: it is amazing, we always have that pause and i m always the one to fall for it. all right let s take a look at this. i must stress and my next guess wi stress as well tracy touch ed on it that interest rates are still very very low. no one is expecting to go back up to double-digits at least they hope not. it is the uncertainty as tracy pointed out of no knowing for sure where they might go and how far they could back up and that adds to the sense of volatility. people who invest in these so-called derivative contracts orphans it boutique in vestments meant to shield you from volatile market forces well they didn t do the job. you could trade on a fear index that s known as the vix, the volatility index and you have indexes to trade-off of that. bottom line, they failed miserably to do the job, as if you can shield yourself from market forces. steve in guilfoil in new york, they call him sarg. so help me make sense of how