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Lower. >>greg: less than an hour before closing and we stake -- will take a breather before the weekend. what about next week? >> one indication is the price of gold, another new record close on gold, the classic flight to safety $1,852.20, up 1.7 percent. i speak with money managers who have never seen markets volume at this time -- volatility like this. buy gold. buy defensive stocks, companies that make the things we all need in good or bad times. >>greg: so my wedding band could be the most valuable thing i owe. thank you. as mentioned bank troubles. more trouble at bank of america,