york. zain, what's effecting the markets? >> fred, we've got two reports that have investors cautious. take a look and see, the dow is down pretty much 31 points right now. part of the reason for that is retail sales. retail sales fell last month by the most in nine months. also until about consumer sentiment that hit the lowest level in nine months as well. but going back to retail sales, people are basically cutting back on electronics, books, music, that kind of thing. the dismal weather might have had an effect. also we're going to talk about the payroll tax hikes we got after the fiscal cliff. that also might be effecting spending as well. but most telling is really that people are really worried about this job market, fred. and also their pay, unemployment 7.6%. how people feel about what they spend has a huge effect on the economy. it's essentially what's driving economic growth. also a factor is mixed earnings from the banks wells fargo and jpmorgan, fred. >> and the big picture most happy to see the market's going gang busters, but is there a