saudi arabia. it's part of it. this idea that global growth won't be so growth. what fuels growth? oil. >> shepard: oil down is good for the gas pump prices. good for americans. everyday folks ought to be happy. >> and the other thing, big banks are down. this is confounding. we got a positive report on inflation meaning that inflation was not as high as we thought it was going to be. >> shepard: great. >> banks make money in a high inflation environment. not so much now. you know, the big names, the red banks, the blue bank, they're all struggling today about 3% down. i'm talking about j.p. morgan chase -- >> shepard: for people on fixed incomes, they've been waiting for a place to put money. treasury bonds, close to 3% over three months. that's better than we've seen in a long time. >> so you have to think that the products for sabers will improve as well over time. they haven't done that much yet. we're expecting to see more and