moves over to china soon, so i am a seller of that. >> happy birthday, kristen. >> happy birthday. thanks for my mission is simple. to make you money. i'm here to level the playing field for all investors. there's always a bull market somewhere, and i promise to help you find it. mad money starts now. hey, i'm cramer. welcome to mad money. some people want to make friends, i just want to help you make money. call me at 1-800-743, cnbc. we're beginning to get our arms

around the true cost of the european union. it's led to the worse two-day decline since last august. the s&p plummeting 1.81%. nasdaq taking it again, minus 2.41%. and while i think the selloff is indeed beginning to run its course, this brexit vote might be the single most foolish, cut off your nose to spite your face financial decision i have ever seen, ever. we know the trillions of dollars have been lost worldwide, all because voters in uk didn't take time to think things through. that's why i want to he do tail how stupid this brexit vote was and how unprepared the british government was for what happened. i can be abstract about it and give you all sorts of permutations, but i don't want to do that. i want to boil this brexit vote down to two issues.

the net fees it pays to the eu and the xenophopic desire to cut off the immigration. there have been a ton of studies about what the uk has to pay the eu, but the most rigorous one says it could save them 8 billion pounds per year. the pro-brexit camp says it could be spent infrastructure. norway's not even a member of the year. so the idea that uk's truly saving any money here is just totally fancifufanciful. let's be honest. it was never about the financial, it was immigration. as of 2014, there were 8.2 million foreign-born people living in the uk, roughly 12% of

the population. let's put pen to paper on the obvious issue, which is the british banks. we have no idea how badly off these banks are. while it's definitely true that the balance sheets are much stronger and the bonds of praefred stocks trade without much stress, common stocks are ner story. consider lloyds and rbs. the world bank of scotland. since friday, both stocks have collapsed, and the government has lost 12 billion pounds in just these two stocks. 12 billion. the pro-brexit camp was salivating over 8 billion pounds, but now they need to deal with 12 billion pounds in might losses. they've already got a 4 billion pound deficit. since it's really about immigration, if the uk had paid each immigrant 2,000 pounds to move somewhere else over the last decade, meaning the last 2

million immigrants, it would have cost just 4 billion pounds. that's right, just based on the losses from lloyd's and rbs, dot arithmetic, it would have been cheaper for the uk to stay in the european union and spend 4 billion pounds paying immigrants to relocate. in order, even if you're one of the most xenophopic people in britain, voting to leave the eu was the wrong way to tamp down on immigration. again, we know that the credit side of the ledger, the bonds of lloyd's and rbs are indicating both banks are solid. neither one is in trouble, because of the liquidity the government's been putting in. they've spent another 25 billion pounds bailing out lloyd's. can you imagine if they have to do that again thanks to brexit? that's a lot of cash versus the savin

savings of 8 billion pounds a year. the strength of the banking sector's played a major role in the advance. lloyd's and rbs alone gave out 4.75 million pounds last year. last year, by the way, the british banks paid out 5 billion pounds in total bonuses. that's going to be a big hit to the property market. how about another cost? uk imports roughly 50% of what its people need, at a cost of $660 billion this time last year. now to take on roughly $66 billion in additional costs because of the devaluation of the pound. again, these costs are borne by everyone. it's an export-driven country, but the import will be felt by regular people pfar more than te

export. it was truly a knuckleheaded move, just on the isolated instances i gave you. now let's back up and talk about the bigger picture. there's been some talk of a doover because the global consequences have been so great. but i don't think that's likely. however, it's certainly in the interest of the next prime minister to slow things down. let the world catch its collective breath just to keep the pound from retreating lower. later in the show, i'll talk about whow difficult it is to find ways to profit in this chaos. most have not fallen far enough to be bargains. we did some buying for the first time, not aggressive, certainly opportunistic. we're going to begin to see real values, even if the earnings estimates have to come down. we have to keep that in mind too. the number of cuts haven't even gun. even as the stocks are trying to

digest them ahead of time. it's not waiting for the analysts to get to cut numbers. now to the larger question, if this just really involved a small group of people who voted to leave a loose confederatation of states, after all the losses, caused by brexit, i doubt anyone would be dumb enough to make the same mistake. just consider the damage done to the british economy to lloyd's and rbs alone. forget about deutsche bank. the financial penalty for leaving the eu is so palpable that only the most extreme of xenophopic nations would even debate the issue. think about this more onic decision, how the british taxpayers lost more money alone than they would save from the

eu. brexit was the dumbest financial move i can recall. it was a giant humpty-dumpty move. and all the queen's horses and all the queen's men cannot put it back together. let's go to roger. >> caller: i'm doing great. of it's hot down here in florida today. >> mm-hm. >> caller: we have delta airlines, and i got in at a pretty high price on a little over $49 a share. i've been walking it tching it and down with the brexit and all that. i'm just wondering if it would be a smart idea at these prices or maybe going a little lower to

try to cost average it? >> it's not a bad idea. we had a company called easyjet in the u.kk. and it was a terrible number. delta, we think it's a domestic airline, but only 68% of it comes from here. and that weaker pound is truly going to hurt, and, again cut numbers. no one wants to get in ahead of a number cut in delta, but i agree with you. it's too low to sell. to pull the trigger, we have to see some cathartic sell-off. let's go to matt in indiana. >> caller: hey, jim. >> what's up, matt? >> caller: nothing much. i'm wondering what your take is on the major gold mining company. >> buy. bruce came itch who does chart

work for me, we have identified knew mont and wrangle. dave in illinois? >> caller: dr. cramer. great work on nbc's today show. >> matt gave me a real good chance to try to explain things. >> caller: today on squawk on the street you talked about the heart rhythm maker, and their bid at $53 a share to acquire heartware international which came 93% on the day. i was wondering if you could address some of the issues and why the acquiring stock did not go up on the bid. >> it was only a billion dollar

deal, it is a member of the s&p. that put tremendous pressure on the stock. i think it's a great deal, and i think your instincts are right. this may be another stock that is attractive to buy. i like nettronics. it's doing incredibly well. i'm not pulling any punches. brexit is the single dumbest financial mistake i have ever seen, but at least other countries thinking about this can look at this and reevaluate their decision. oh, boy, you can bet they're not going. i'm telling why some advice might not ring quite as true. could it be a bright spot among the market's recent spot that you should take advantage of. brexit won't keep us from spending on our cats and dogs. i have a play on pets with recession food that you need to

know about. stick with cramer. >> don't miss a second of "mad money." have a question? tweet cramer, #madtweets. send an e-mail. or give us a call. at 1 mary buys a little lamb. one of millions of orders on this company's servers. accessible by thousands of suppliers and employees globally. but with cyber threats on the rise, mary's data could be under attack. with the help of at&t, and security that senses and mitigates cyber threats, their critical data is safer than ever. giving them the agility to be

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the problem is the funnel. we just doesn't have enough sectors in the s&p 500 that are worth buying into a brexit-based decline. there are rping -- earnings worries everywhere. it could be a compelling time to buy. giving today's sell-off. you know me. i'm a dip guy. first, let's face it. we're merely back to levels we saw three months ago. that's not much of a discount when you consider that the s&p 500 was selling at 19 times earnings going into last friday. you need the market to come down more. dow's at 17,140.

we have been bouncing around ever since oil took off to 36 where it is today. when this market bottomed on february 11th, we were at 15,647 on the dow. is that a reasonable down-side target? huh-uh. oil was at 26 bucks back then. and some like oil seemed to fall on their obligations. that meant that the u.s. banks were facing huge losses if oil didn't rally. just that one particular group of loans. these potential defaults are now largely off the table. as so many oil companies have reliquefied by successfully selling common stock. take it off the side of the table. of course oil's once again trying to go down. it's trying, it's at 46 bucks, a little bit north of $45. the selloff year' currently experiencing is not related to

u.s. credit and that's what makes the storm worth riding out. there's no systemic risk. our banks will come out winners, not losers when the smoke clears, and it always does. it's hard to find a lot of stocks to buy. consider the s&p 500. there's finance and all finance is linked to european finance, not because of the difficulties facing their banks, bauut becau our banks were puts in a couple things at that we needed. just over 14% of the s&p is health care. think of united health. look at of santini. and you know, my object funds to brist bristol meyer, i like to throw

in j&j. how about the consumer staples? how about the oils, the industrials, the materials? there's 30% of the s&p that i guard as suspect right there. i can make a case for buying some of the staples, if they come down to the point where their yields are more competitive versus shrinking. we'll see how low these stocks are when general mills which was up today, and conagra, and mccormick and constellation give us the ruts on thursday. mccormick should be interesting. we know that company is most clearly recession proof. the oils, we're trapped in the 45-50 conundrum. the industrials will get kibo

kiboshed by psychology. you're not going to get around the word "recession." the whole situation is too new and uncertain. who knows what will happen to banking and credit. there will be a bfreeze on big projects for certain. all right, what should be the easiest choices like the domestic retails and fast food stocks, they've become very tough. on the one hand, you have amazon, obliterating bricks and pour tar retail. on the other hand you have higher health care costs and a lot more overtime pay graded by the president by fiat. you need non-amazonable stocks, meaning kroger, dollar tree, dollar general, and it's no surprise that all those roughed today. gold, utilities and the telecoms. times of economic chaos, this being a perfect example. people buy gold. especially with rates being so

low. these are safe dividend paying companies that give you a much better return than bonds. you have to hope that the s&p 500 brings down some of these, otherwise you won't be getting any bargains. the bottom rhinlttom light, we staples. you have to be careful with so much of this other pie, parts of the pie that i can't be aggressive as much as i really want to, down more than 5%. tom in florida. tom? >> caller: thank you for having me. a good portion of my portfolio is made of waste management stock. is it inch lated from brexit? and in your opinion suggested buy or sell? >> i really like that idea. it's a stock that's a few pennies off and is largely domestic, run by david steiners. as a matter of fact, i'm writing

it down. still one of my list that i'm putting together all day yesterday and today that make a lot of sense. how smart are our viewers. thank you, tom, from florida. you need more strength in this market as a whole. this is why. right now, get your shopping list ready. watch for signs of life in the s&p sectors. i do see some things i like today. including my take on the portfolio. will global turmoil impact the potential? and could it help you avoid the burn of brexit. and i'm taking your -- ooh, i'm taking you back to a simpler time. last week, i had a chance to take a walk around ford's research and innovation center, and in an era of uber and self-driving cars, i'm learning how the 113-year-old driving giant is innovating for the

future. stick with cramer. ♪ ♪ before the cmo thought to himself, "yeah, i can do that." and then thought to himself, "no, i shouldn't have done that." [ crash ] and doctors with real-time data at their fingertips asked, "how a man your age could do this to himself?" before any of this, cdw orchestrated a point of care solution using the lenovo x1 carbon yoga with intel core processors. connected health care by lenovo. orchestration by cdw.

despite the continued brexit selloff, there's been one real bright spot in the market, a stock that managed to defy the gravitational pull of the average and go higher, we're talking about two. it became public last thursday at $15. then saw its stock rocket up to nearly $29 by the end of the session, that's a 92% gain. the whole market got obliterated, because britain decided to punch itself if the face. i got to tell you, this thing is a horse ♪ hallelujah >> we got to do a little homework to find out if this is

hype or if the stock deserves to go a little higher. that's why tonight we're playing play your ipo. it's a communication software that's aiming to be the tool kit for every other ip company in the world. communications is an area that many software companies have struggled to reinvent. obviously, communication is essential to growing a business, but it's been difficult to incorporate communication into important software applications. trust me, it is. that's where twill yoe comes in. these guys have used the cloud to create a platform that allows developers to build, expand and operate real time communications within their own software applications. twilio's cloud platform makes it easier for voice and video capabilities in their own apps.

it allows them to make and receive phone calls or conferencing or recording and transcribing what the users might say. it makes it simpler to include text messaging, it has a plug 'n play application to include video. it has a marketplace to let third party developers implicate their cape. >> into the platform. it helps create software in the most efficient way possible. in order, if you're a software developer, twilio is a one-stop shop to adding features to your app. it has 28,000 active customers. and let me give you concrete examples. i know a lot of this stuff, people say, jim, cloud, text, you know, messaging, how's it all relate? here's one for a lot of people who get it.

uber. when uber sends you a text message, letting you know that a driver's accepted your request or that your ride's been canceled, it's twilio that ensures you get those messages quickly. before that, they were having problems with delays, you know how important that is. they've been able to rapidly expand wrought a problem. how about this one. if you're one of the billion plus people who of use whatsapp, they use twilio to verify your phone number. nordstrom uses it to send customers personal eized texts. why is it twilio's so popular? how come other software companies don't figure this stuff out? simple, because twilio is on cloud based, it's incredibly

reliable, easy to install. it's much faster rather than hiring a bunch of of pprogramme. these guys charge customers based on how much they use. for example, as uber and whatsapp expand, they get to share some of the wealth. the key metric is what they call their dollar-based net expansion rate, how much revenue they're getting from active customer accounts with long-term contracts versus the year before. and then another 155% last year. so how big can twilio be? the company says that its platform addresses portions of large end market. ennenenenenenenenenenenenenenene

it accelerated it to 88% revenue growth. i don't see it slowing anytime soon. they have numerous plans to keep growing. bringing in more developers that use their product, increasing their international presence and generally spending more money on sales ar marnd marketing. the company's still losing money, because they reinvest all their cash back into the business. this story would be easier to figure out if they had real earnings to share. the beiuser base grew by 52% la year. step up is high. this is no debt. more than 200 million in cash, thanks to the proceeds from the ipo, however, with any newly-minted company, there are some risks, the lack of

profitability. the company spends a fortune boosting its revenue growth. there's the fact that twilio caters to a new and unproven market. this company gets 15% of its revenue just from facebook's what's app. what if facebook decides to walk away? that could take a real bite out of twilio's numbers. no sign it's going to happen, but i just put it out there. if you assume it can keep on growing at the 78% clip them the stock trades at more than 7.85 times sales. 6.2 times this year's number meaning twilio is slight lly mo expensive than new relic and sales force. it's at 5.5 times.

on the other hand it's cheaper than workday. i think twilio deserves a preview. even though the stock shot up more than 90% on its first day of trading, i think it would be a lot higher if it weren't for this brexit vote creating a market wide selloff. so here's the bottom line. twilio's first move shows that these unicorns have real value. and the market may be willing it pay out for growth again if it's really, really very, very super charged. i like the stock. this is a very attractive business with the shares for younger growth investors. i suggest putting on part of your position here in case this thing just can't be stopped, and waiting for twilio.

this is the best ipo of 2016. when selloffs occur, it's important to look for names that have pulled back. tonight i'm sitting down with pet care player idexx labs. then i take you to a place very few people ever see. i go through ford's research and innovation center. find out how the company is switching gears for the future. and stocks had the worst slide since august. stick with cramer.

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when the whole stock market gets annihilated, like this eu

vote. start looking for high-quality u.s. companies that should keep doing well regardless of what happens across the atlantic. that's why tonight i want to circle back to idexx laboratories. the maker of veterinary testing equipment, it's the world leader in diagnostic products for animals, test kits that you might sig see when you take youg or cat to the vet. now the animal health core has been on fire, and idexx has been particularly strong. they spent a lot of money like r&d or the first and only in-clinic urine analyzer, your vet no longer needs to send that cup full of pee out to a lab. it had been roaring ever since

until the brexit collapse. now it's given us a 24% gain. even though idexx gets 38% of its sales overseas, veterinary medicine seems to be -- nobody's going to let their dog die just because britain left the eu. we find out more about this company. welcome to "mad money." i'm trying to go over for the show. what can you start buying and selling on day three of a down turn. there looks like a secular situation happening where animals are treated closed to humans. and you have two indicators, toy indicator and sleep indicator. >> i'm a pet owner, you're a pet owner, pets are moving from the

barp yard to the house to the bed. and with cats, to the bed. 50% of cat owners say their cat slept with them 10 years ago, and now 60%. in the bed! >> once they're in that, and it's kite of meta forecal. >> these are our babies. we want to do everything to ensure their health and well-being, that's where we come with in the diagnostic tests. >> you're talking about sales that hold up to any recession. >> that's incredible. now you say if your most recent transcript, that the amount of pet care's still shockingly low. what does that mean? >> it means if pet owners really

appreciate what veterinary care could do for the longevity and welfare of their pets, they would spend more of their money. we need to help the vet profession inspire pet owners. that's true around the world. >> let's talk about where we are with internationally. we know a brexit could slow something down. but where is the average? >> we consider europe, which most people think of as a mature market as an emerging market for us, let alone brazil that has 75 million pets, and they don't go to the vet at all. they dress them well, they groom them well, but vet nar eye medicine is still new. >> auntind these are recurring streams. >> every time a pet gets tested it's revenue for the nveterinar. pet owners aren't going to stop taking care of a pet they have

because of uncertain economics. >> liquid gold. what is that? >> pets can't tell you about how they feel, where they hurt. so diagnostics provides a voice to the veterinarian of the pet's medical situation. it turns out urine has got a lot of information. helps provide that voice. so we call urine, from a veterinary medical point of view, liquid gold. and we have an analyzer that in three minutes and five drops of urine can replace 20 minutes of a technician's time with more accurate results. >> i know this is a cash business for many, so you are saving money for the customer, too. >> absolutely. if you can run it real time, you can share with the customer. digital pictures on your smartphone on what's in fluffy's urine and why we need to put him on antibiotics.

>> do shelters give good vet nar eye care? >> i think they do a good job. it's important to be able to adopt. that's a big source of pet ownership. acquiring a pet is one of the biggest moments in your life. >> and i presume that your diagnostics are also in use so that when you do take out a rescue pet, they've been verified so to speak. >> usually they've already been spayed or neutered. they've been checked to make sure they don't have infectious diseases. >> their is tis is the kind of u buy off of a brexit. we'll be back after a break.

it is time! time for the lightning round! play the sound! [ buzz ] are you ready for the lightning

round? we're going to start with cory, cory! >> caller: jim, thanks for having me. man, the market's like a whole rollercoaster ride. i want to follow up with you on some homework with synergy. i know they're going to release top data. >> the data's not that good, i'm not sure what it's worth. we see things like regulus. if they go bad, it's unbelievably bad. it's why it's hard for me to yoe pine, because it seems binary to me. but if the news is good, wow. let's go to jim in washington. jim? >> caller: yeah, hello. this is jim in seattle. >> which one? >> i like charter communications. i happen to like the campbell

companies very much. this seems to be one of the best domestic businesses.'re in good. let's go to mike in florida. mike? mike? dale in oklahoma? dale? >> caller: hi, jim. >> hi. >> caller: my stock is bye oes far ma. my average price is $8. buy, sell or hold? >> i'm going to say stick with it. i got to move, but i like it. i happen to like the ones that are working often renal that are

doing so well. and that, ladies and gentlemen is the conclusion of the "lightning round." the lightning round is sponsored by td ameritrade. let me show you. okay. our thinkorswim trading platform aggregates all the options data you need in one place and lets you visualize that information for any options series. okay, cool. hang on a second. you can even see the anticipated range of a stock expecting earnings. impressive... what's up, tim. td ameritrade.

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comcast business. built for business. well, everyone's panicking about britain's bone headed decision to leave the eu. the stock market's more than

just geopot particul popoliticg. i visited the beating heart of silicon valley. whatever happens in the uk or the eu, american companies will continue to turn out astonishing new technologies. and it's no longer confined to the tech sector. consider the auto industry. the car now has more technology inside it than the average computer. last week i got a chance to speak with the ceo of ford motor, but all of these advances in the research and innovation center, and while i know stock can be buffeted by brexit, you might want to wait to buy the stock. longer term, i believe the stuff's got to pay off. so take a look. hi. >> hi, jim. >> were you going to give us some information on how we develop technology. this is one year ago

[ low sound ] >> the boxes that you see there, we want to be latest and greatest and ahead of the game. the reason why this is important is we need to have an understand of the environment and be able to perceive everything that happens along the way, pedestrians, socyclists. >> i think you'll see different levels of vehicles. we'll see a level four vehicle in a pre-defined area that's been mapped before hand, probably by the end of the

decade, the next four years or so. our approach is when we come out with ours, we want to make it accessible to everyone and not just folks that can afford luxury cars. that's why working on the technology reducing the number of cameras will be able to lower the cost. >> here's another example of what we're working on in terms of autonomous vehicles, and we've been at this for ten years now. tory's going to tell you a little bit about the technology. >> behind me here is one of our autonomous fleet. the spinning sensors on top are called lidars, they have 2 million pulses a second. >> is the game factor that we're not sure how well it works or that it works but it would cost us now $200,000 and we have to get it to $20,000? >> that's one thing we've been working on is slowly improving the technology and making it more scalable so we can sell it

to all our customers. >> tell me more about this. >> this is another area we're making progress. this is around connectivity and the customer experience. and we're taking advantage of our synch system and we're the first to work with amazon. and we're using our fusion plug-in hybrid which gets 610 mile range, the most of any vehicle on the planet. and so let's say you wake up in the morning, and it's a cold morning in new york, and you want to start your car so it's warm. here's, you can say, alexa, sell my ford to start the car. and it's going up to the cloud right now. >> the command has been sent to your vehicle. >> it gets sent to the vehicle, and as you notice, the vehicle comes on. you're not hearing the vehicle because it's electric mode, but it's on right now. you say, alexa, tell my ford to

unlock the car. >> the unlock command has been sent to your vehicle. >> so it's sent to the vehicle. and it's unlocked. there you go. >> okay. so let's say you're coming home from work. and you want to open your garage door and today you either have to reach in and get your clicker or go above your visor. all you have to do here -- alexa. >> alexa. >> open my garage door. your garage door opens up. now think about going forward as amazon adds more smart devices to alexa. think of you're driving home, you'll be able to take advantage of that through your ford. you're driving home, you got people coming over, oh, my gosh, i got to start the roast in the oven. alexa, start my oven or turn off my air conditioning.

this is around making people's lives better and using technology and partnering with great companies like amazon to do that. this is another example of ford smart technology, working with drones and how do our vehicles in the future work with drones to make people's lives more productive and better. let's say you're a farmer in wyoming. and you're driving amongst your ranch. and you got a missing calf. all right, so today you got a missing calf. you got to search all over, you got to drive all over. think about farmer has their drone in the vehicle as they're driving along. the drone goes up, finds the calf, and you can drive right there towards it. it's making people's lives more productive and better. >> we'll give you an example here. >> how did it work? did someone say at a certain point, because you're in competition, you know what would be really valuable is to have a drone drive off of a 150 that's mobile? >> yeah, we've tried to think

about the use cases that we could work with dji to do. we've done ichntegration. first responders can scout along and si see where survivors may be. farmers could survey their crops. there are numerous applications. >> this would be the classic of there's an accident, and the police are trying to fission gu how to get there, is it fire? one guy? is it just aaa? but they don't know. and they're hopeful to get lucky to find out. and this eliminates that. >> sure, it can help in all kinds of situations where you need the ability to remotely see something to, you know, put yourself in places you can't be

while you're in the vehicle. >> excellent, thank you, mark. appreciate it. good talking to you.

you want to follow this market? here's some stocks that you really got to focus on. the royal bank of scotland, rbs. lloyd's, ryj, and the other side i want you to focus on gld, which is the gold etf. and then ran gold, simple gold. those are the ones that truly do not attract each other. so you can gauge the tension by seeing those. gold going higher, banks going low are, still not there yet. let's say there's always a bull market somewhere. we try to find it just for you. right near on "mad money." i'm jim cramer.

see you tomorrow. another big dive na surprised the world. the uk leaving the european union. the dow plummeting 260 points today. what's next. tonight, expert advice designed to help you make the right financial decisions. this is a cnbc special report. "brexit, facing the fallout." good evening, everybody. welcome. i'm tyler mathisen. >> i'm sue herera. a tidal wave of concern caused