of the year friday. should we expect the market to be volatile given how little we know about this new variant and the possibility of other va variants as the winter weather comes? >> yeah, for sure. as sanjay was saying as we learn more, you'll see the market react. if this is highly transmissible. if you find out the vaccines will not be as effective, then the market will go down. no question. but volatility will be the watch word. you're seeing a little mini version of what you saw when we first had the pandemic where the markets tank but then tech stocks come back up because everybody is going to be working from home longer. and you have to remember that we did see some of the biggest highs even during the pandemic in the markets. it's not all doom and gloom. >> president biden said new lockdowns are off the table, at least for now, he said. is there a point where you think the white house might have to reconsider that or do you agree with his general proposition that as long as we have vaccinations and masks we should