Friday stocks surged both the dow and the s&p 500 set new records, that's good news for your retirement account. joining me to discuss this is nayla richardson, from bloomberg llp. good to have you with us this morning. we get excited in the frenzy when we see the numbers on wall street. should there also be a level of let's say concern? >> absolutely, victor, good morning. you know, for the top 7% of american households it's great to be in the stock market for now but for many americans who had to withdraw money from retirement accounts that cushioned the financial crisis they're not experien...