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again, i think this is the 37th of the year, the close is above here where it is today the 37th record high close of the year so the stock market has been going in the direction of savers and investors who are investing in their 401(k). let me show you what fidelity says the average balance now is of the 12.6 million 401(k)s they have. record high $84,300. for the people who have been investing every month through their paychecks over ten years that average balance is now $223,100. we've never seen those averages quite this high. it is i guess validation really of what you've seen this year in the stock market, but i would caution that about half of americans are not invested in the stock market in any way. they do not have a 401(k), so for them it is the jobs market, that's the most important thing here. i expect we'll hear from janet yellen at her confirmation hearing today before the senate banking committee that she is still concerned about jobs in america. carol? >> christine we'll have more on