come... are federally tax-free... and have historically low risk. call today to request your free bond guide. 1-800-763-2763. that's 1-800-763-2763. ♪. ashley: all right. earlier we asked which state has the most diners. lauren take your pick. >> my instinct is new jersey. i'm going with california. i think new jersey is too obvious. ashley: very good. my instinct was new york. the answer is -- >> new jersey. ashley: should have gone with your gut. new jersey. there are 500 diners in the garden state. now you know. that is it for "varney & company" today. "coast to coast" starts right about now. ♪ neil: housing might be hurting

but that doesn't mean it is collapsing. forget stocks for just a moment. we're going to get to them. focus right now on house having its own moment, maybe a good moment, maybe a promising moment. most definitely a significant moment. news today that mortgage refinance demand surging three% week to week. total mortgage application volume which includes refinancings and loans to outright purchase a home jumping 7.4% last week compared to the week before. the big catalyst for all of this, lower mortgage rate for the fifth straight week. as you might expect rates go down, interest in real estate and real estate purchases goes up. that includes those who just want to keep the real estate they have, just at a lower rate they can get right now. none of this hints of a boom but perhaps more significantly it hardly indicates a bust. we'll be talking to famed investor ken fisher whether this is the latest proof he got it right when he said months ago, when everyone else were saying we were going to hell in a

handbasket that maybe we were not. so far we are avoiding the hell part. wouldn't you know that is exactly what the the president plans toe pound today as he heads out to wisconsin to get maybe some of that state of the union afterglow, after least judging from early polls on his speech. more on that in just a bit. good morning i'm neil cavuto. let's get to edward lawrence at the white house. >> reporter: president landing in 30 minutes in which is. he will talk about all the jobs he created. during the state of the union address said he created 800,000 manufacturing jobs when his own bureau of labor statistics say that is not true. they added back all the jobs lost during the pandemic, created 214,000 jobs. on the screen the economy added back jobs lost created over 2.7 million over his tenure.

what really set the republicans off that many of them want to take the economy hostage suspending social security and medicare. here is the republican response. president biden: folks as we all apparently agree social security, medicare is off the books now, right? applause -- [applause] all right. we got unanimity. >> not one republican in the house of representatives is talking about changing medicare or social security benefits, not one. of course the president could not name one. so look, we want to be respectful but let's stick to the facts a little bit and, it was just completely out of touch with reality. >> we need to be smart. don't take the bait. stay with the american public what we want to do. curb this runaway spending spent the president has been spending so much. democrats increased discretionary spending by 30%.

>> reporter: about ten minutes ago on air force one white house press secretary walking back a little bit, clarifying the president's state of the union address saying for years republicans have wanted to cut social security and medicaid, medicare. seems like they're going forward with that narrative, even though the president acknowledged there it might not be true. neil: i wonder like that. chuck schumer said it was rope-a-dope moment. "politico" said president's way go ahead republicans social security medicare wouldn't be touched for 10 years. sounds a little layered to me. your thoughts? >> reporter: house speaker kevin mccarthy says he believe president goaded republicans into a response. he wanted that reaction. maybe he went a little bit too far going off script. speechwriters might be saying oh, my gosh. it seemed like from the house speaker's position he wanted that type of response. neil: i'm just trying to figure out who is george forman and who

is muhammad ali. thank you very much, edward lawrence, my friend. ken fisher, talking about heavyweights in the business, fisher investments founder and chairman with us. ken, president outlined that social security and medicare are not going to be touched, will not be touched next 10 years. whether that was rope-a-dope tactic he locked himself into a corner, trying to lock republicans into a corner, what do you think? >> the whole speech was a campaign speech. let me make a simple point i don't think most people think about. you can't go back through modern history and find a state of the union address that requoted a year or more hater. just try to think of a famous line from a state of the union address. i can think of one phrase, only one phrase, of any of them, the reality today in this era it's a campaign speech. it doesn't really have to be accurate. it doesn't have to be about reality and it wasn't.

neil: what's the one you remember? >> the phrase, axis of evil. the only one that really endures. do a google search trying to find famous lines from state of the union addresses. there aren't anybody knows or ever requoted. they don't exist. neil: interesting. what about the market reaction? i don't think it reacts to state of the union speech or president's agenda, maybe more comment we have from the federal reserve chairman, today some governors, you know regional presidents talking to a man or woman about the need to keep rates higher longer, what did you make of that? >> so you've heard me before on this, neil. these people, meaning well don't actually know what they're doing to do a month, two months, three months, four months from now. they're reactors. they're not really causers. i said this before on fox business many times and on your show numbers of times, the fact is right now i do think going

back to your point about mortgage rates that mortgage rates are actually going to tick up for a little while before they continue down but the reality is, you look at things in a prior section varney talking about food price hog prices, seafood and fish prices, poultry. these prices are where they were at the beginning of 2022, into 2021. input costs are falling. it will be okay. neil: you were saying this when no one was and, you know you acknowledge i think there would be bumps along the way but you were convinced we could avoid at least a serious recession. are you still of that mindset now and what are you looking at that has you seeing daylight where others so far, even though more have kind of joined you with the performance of the markets year-to-date, but overwhelmingly that is not the case among market watchers? what are you seeing and looking at?

>> so i've got two basic points. one of them is you cannot have the big bad thing that people fear the way they fear it with year-over-year lending growth being robust. lending growth is tremendously strong and continues strong because the loan base upon which bank lending is built is very low cost compared to treasury rates or fed funds rates and they lend at longer-term rates. so there is a big spread. they lend. the other point is the argument from my january 30th "new york post" column which is, we have been looking for recession and anticipating it for the longest time in all of history that you can measure. if this recession occurs, it will be the most anticipated ever. anticipation is mitigation. businesses have been preparing. some laying off. lots freezing all around the

world, cutting costs, cutting advertising, cutting capital expenditure, paring down. recessions normally cause firms to correct for the excesses of prior expansion period. we're doing that now in advance. how much more might be done? i don't really know but the fact is anticipation is mitigation and that keeps you from having that terrible time everyone is looking for. neil: you even introduced carly simon in that piece which i thought was brilliant by the way. you know i guess your analogy was in prior recessions they came upon businesses that were ill prepared, then had to do massive cuts once everything hit the fan. now they were slowing down and paring staff. we got to point out for all these thousands have been laid off, each lay qualify is very sad, i know that, i'm not trying to minimize it but in percentage terms it is quite small. how do you see that playing out? >> the layoffs over all are not

that big but the freezes are. most of the job growth is not among major corporations. we can't measure really what is going on successfully in smaller firms. that is not possible the way we do accounting. neil: right. >> but the fact is, in my life, i mean, i've been in this for half century, in my life recessions were always surprises. they took you by shock. go back and look at expectations in 2006 and 7 as that great recession was about to hit. they were all, including me, wrong, gung-ho, not expecting it and surprised. the fact is, this is very different. this is going to have less reaction if we have recession. we may not have recession. the way to see that is the lending turned down to be a level below the inflation rate but as long as the lending is well above the inflation rate, we're not about to have some big bad thing. neil: real quickly on housing and stocks, as i began the show,

ken, this notion there were some looking for another housing meltdown we had over a decade ago. i don't see that. i don't see a lot of bubble activity that proceededded that one this go-round. others applying the sail for stocks, they were due for the same treatment. that doesn't appear to be the case so far this young year, what do you think? >> so fighting the last war is always a loser's game and the reality is we rarely repeat what we've done in the past soon enough that people can treat it effectively because everyone is looking for it. this is again anticipation reality. the fact is, as i have said for a long time i believe in the september, middle of october we started a bull market. the bull market i said in my christmas day "new york post" column should react in 2023 a lot like the market reacted in 1967 in the aftermath of a year,

1966, 2022, the most parallel to each other in all of history. so far it is working out that way. i think it is all just fine. the pessimism builds as the market goes up. the skepticism remains. this is what i long called the pessimism of disbelief. they just can't believe the good stuff. they can't believe it is not that bad. and this is a foundation that parallels the legendary wall of worry that all markets love to climb. it is not that bad of a world. if people think it is, it is good. neil: always good seeing you, my friend, ken fisher, the man behind fisher investments founder and chairman. became a multibillionaire betting against where everyone else goes. that makes you a billionaire. meanwhile the dow is down 153 points. stay with us.

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going on with hunter biden and his laptop and all of that and what they didn't and whether they hid that from the american people and in general just hid it period. kelly o'grady following all of this with the latest, kelly. >> reporter: hi, neil. yes that hearing has been underway for just over two hours and we are getting the first taste of how a republican-run house plans to handle big tech. chairman comer is setting the tone today with this -- >> we witnessed big tech autocrats wield their unchecked power to suppress the speech of americans to promote their preferred political opinions. twitter was once one of these platforms. report report those in the hot seat are former chief legal officer, former deputy general counsel james baker. he was formerly at the fbi and former head of trust and safety yoel roth. they argued that there was no intentional wrongdoing with the hunter biden laptop story, it was simply a complicated

judgment call. gop members teasing out deep turmoil how twitter leadership could suppress the "new york post" story. ultimately the gadde made the call. concern about frequent communication with the fbi. jim jordan said twitter was played by the governmental body. >> you have the government saying your terms of service which don't have to comply with the first amendment and government says we don't think these account comply with your terms of service. please take them down. do you see a problem there, mr. roth? >> do you think that is valuable use of the fbi's time, no, but i don't see in a request for review a problem under the first amendment, no. >> i sure do. >> reporter: for democrat this is is entirely different hearing, neil. ranking mem her as can focusing on the set h september 6th role. white house says latest effort by the house republican majority, extreme maga members

to relitigate the outcome of the 2020 election. the hearing is ongoing. it is in a quick recess right now. neil we had very theatrical exchanges. remains to be seen whether the inquiries will translate into reaction. neil: very thee rat trick theatrical. i want to two to susanly talking about artificial intelligence, it seems far lung in the future. >> reporter: not that far away. jarvis i can make the reference to you, you know what i'm talking about. neil: yes. >> jarvis from iron man. neil: goes back to 2001 space odyssey. you have to. >> i tried using turn space odyssey but no one got it. we all know "the jetsons," the world is close by to a lot of experts. yesterday microsoft taking the

wraps off revealing bing search engine infused with chatgpt. it is advertised as google killer. using artificial programs to help you research the internet better. neil, you can find a love seat that fits into the back of your trunk if you needed it. can write hakious in case you needed to do that, maybe romantic ones for the ones at home. neil: this is what artificial intelligence provides? >> links inn posts financial statements. i would be worried about the accountants, auditors for their jobs in the future. great for a party, throw a didn'ter party can suggest a three-course meal for you. here is satya nadella. neil: just three course? i wouldn't be interested in that. >> nadella satya says it's a whole new era. >> i think this intelligence this is a new day for search.

a new paradigm for search. rapid innovation will come. the race starts today. >> i don't think it is winner-take-all but you can imagine the winner will take most, if you can develop and innovate. bing is not used that widely. you know that the search engine. neil: right. >> google owns 90% plus of the search market. neil: is that right? even now? over 90%? wow. >> bing has a lot of catching up. maybe with the new artificial intelligence it might have the capability. neil: i don't know where google is on this. you know far more about this stuff than i do. i will say having tested some of this out with bing, it is remarkable. >> it is impressive. because google -- neil: i looked up susan li, i had no idea you were rambunctious in kindergarten. >> i asked bing who is better player, lebron or michael jordan. i disagree with you. it said lebron. the new scoring champion. google will argue they're the leader when it comes to a.i.

they had their own event in paris this morning. it was interesting, nothing i would say new per se but they did show off their new search which you can use images to search for things, google maps is more a.i. backed, more emersive, going from 2-d to 3-d. google really sold itself as the a.i. leader. when i speak to google representatives we already have artificial intelligence leading a.i. you use google translate, don't you? google maps. neil: sure. >> thinking of other things they have. eastern search is infused with a.i. already. they're trying to roll out their chatgpt competitor in a few weeks time. that will be interesting. neil: it will layer and make the search experience much more meaningful to people i think. >> but the stock is down quickly. i have to bring this up. the reason why it is down. people are pointing to the google baird tweet, that baird didn't give the right answer. that is nitpicking isn't it?

this is advertisement here. neil: saying lebron, greatest baseball player on earth, that was a bad one. >> did i say baseball? neil: i did. but they got to get that right. they didn't say that i know people are jumping on me, they didn't say but i'm telling you, keep telling you technology is the future for technology -- >> whether you have more data, lax privacy rules. neil: i don't want to, watch denmark, on fire. all right. that's all i will say. ray wang is here talking about a guy on fire, everybody wants to rule the world. ray already is ruling the world, we're just watching. ray, good to see you. all kidding aside just in susan's others over the last year, how quickly technology is a advancing and incorporating other features that once seemed unthinkable. they're a long way from getting it down smooth but they are moving fast. what do you think? >> we're definitely in that era.

susan is right. a.i. is in every part of our lives. it is sitting in the back. it is ambient experiences. google, microsoft battle, round two on search. we have to find things, best next action, click on something else, make all the appointments. imagine a world hey i want to go to paris on vacation for 4 a 50 bucks. that is the most i will pay for a flight around want to be on champs-elysees. these ambient experiences that happen in the background and they're all a.i. powered. neil: it is tomorrow. i wish we had more time, ray, thank you very much. a.i. part of this broadcast said, wrap it up. always good seeing you, ray. meantime we're following up on the excitement over the president's speech last night. a lot of people saying it was rude for republicans to keep interrupting him, democrats interrupting, interrupting the

president. to me reminded me after house of commons speech in parliament in england. that is all to the better. i say more, after this. ♪. appreciate it so much. thank you. doors are new beginnings. -surprise! -surprise! your dedicated fidelity advisor can help you open those doors. for you, mama. through personalized money management that can evolve with new chapters. and they can proactively view your entire portfolio. with an eye on taxes and the impact of risk. so you can enjoy moments together. because doors were meant to be opened.

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i'm so glad we did this. edward jones ♪. president biden: some republicans want medicare and social security to sunset. i'm not saying it is majority. [booing] let me give you, anybody who doubts it contact my office. >> gdp, mr. speaker. above prepandemic levels. as for. president biden: i'm not saying majority of you, but it is being proposed by individuals.

[booing] look, folks -- >> mr. speaker, from tomorrow. [shouting] [inaudible] >> shut up a minute. president biden: fentanyl is killing more than 70,000 americans a year. >> border. president biden: you got it. >> mr. speaker, i just addressed the issue with the home secretary, but he talked about fighting crime. neil: so why is it fine for the brits to stand up in the house of commons and parliament and argue with each other because of the accent they sound smart? well yeah, because their accent, they do sound smart. but everyone is ripping republicans for interrupting the president and then democrats are interrupting the republicans who were interrupting the president. my view on this, have at it,

boisterous exchange of ideas even interpreted by some being rude is what brits are treated to every day in an open and in your face. notice in your face. not behind your back, in your face. government, nigel farage joins us, brexit party leader. what he thinks of all of that. i don't have a problem, nigel with people going at it. so i say have at eight, what do you think? >> e, yes. [laughter]. i did this in the european parliament for 20 years. i made plent of noise. look the point is this, in free societies we are able to agree to disagree, to be voice an, to be. we have freedom of thought, freedom of expression, show passion, do humor, we can do all these things. in the building behind me you can see, since the 1200s british parliaments have vigorous open debate.

that is what you do in democracy. the alternative critizing the scenes that took place during the state of the union speech, the alternative to see the assembly in china. they're there with wax works figures. no one dares show any emotion, when the president looks for applause they sit there and clap. i would rather live in a land of free, open, vigorous debate. the truth is in america that is how your founding fathers saw it too. so those in the media that are criticizing, that are saving it's wrong, they don't understand just how valuable freedom really is. neil: they pick and choose their battles. i can remember a certain speaker, when the last president was speaking, then ripped up the speech he had just made they didn't bemoan or criticize that but they, you know, criticized the back and forth here. and i get that, that's what parties do. they have their point of view, they make it clear what that

point ever view is. they don't like the behavior of the other side. i think what you and britain have proven, that is how you operate. what i like about it, is you operate that way to the other guy's face. the prime minister gets up. states his case. the opposition party leader gets right in front of him, states his case, getting on the guy's case for all the world to see. i think that's a healthy development. i know, these events, this august state tradition goes back forever, i think you go back even further and you're doing just fine with this system. >> oh, absolutely. look, we are, you know, our building, this westminster building we're known as the mother of parliaments, a model around much of the rest of free world built their model. it has always been based on vigorous open debate. you know what? it is a good rule in life, whether with parliament, with friends, with family, if you got something to say, say it to

their face, not behind their back. it's a very good rule for life in my opinion. neil: i think you're so right which is why after this segment we'll go to commercial and i'm going to rip you a new one, nigel. >> [laughter] neil: i think you said very wise, very wise. let's have it. get off our little, we get a little prickly with this stuff this is democracy. nigel, thank you. we'll have more after this. >> thank you. ♪. ♪ inner voice (kombucha brewer): if i just stare at these payroll forms... my business' payroll taxes will calculate themselves. right? uhh...nope. intuit quickbooks helps you manage your payroll taxes, cheers! with 100% accurate tax calculations guaranteed. my ameriprise advisor has helped me navigate uncertain times before, now is no different.

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♪. president biden: get to work with china where we can advance american interests and benefit the world, but make no mistake about it as we made clear last week if china threatens our sovereignty we will act to protect our country and we did. [cheers and applause] neil: you noticed there kevin mccarthy did not stand up after that. a lot of republicans didn't as well. a lot of hooting, hollering, aishah hasnie on the fallout and

president's sparse words on china period last night. >> reporter: neil, it is interesting right now china is the topic everyone is talking about in washington, certainly here on capitol hill. just this morning house chairs and ranking members got an intelligence briefing on the chinese spy balloon. last night the president did not mention the ccp until about an hour into his speech. even then, neil, that section was 200 words about the 7,000 word speech the president actually spoke. republicans, democrats, equally divided whether that was good enough. >> totally inadequate. he said almost nothing, no specific talk or acknowledgement of the balloon espionage int. >> he should have started with the domestic. could have mentioned china much earlier. >> how can he talk tough and show weakness at the same time? >> i believe the president

handled china appropriately and in good timing. >> reporter: military officials are facing some scrutiny from both democrats and republicans who want to find out why this thing was allowed to enter into us air space. how we missed multiple balloons during the trump administration. in fact montana senator democrat jon tester will have the hearing tomorrow, the one he called for a couple days ago when this happened. representative mike gallagher, chairman of the new committee on china said the president missed opportunity to expand the bipartisan support here that exists on the hill in order to make changes. >> the president last night, could have talked about that, used it to galvanize action, smart things like advanced ccp land purchases. pla researchers in american university and get rid of ccp police stations operating on american soil. >> reporter: neil, we're expecting a all senator intelligence briefing on the

china balloon tomorrow with the "gang of eight" getting their intelligence briefing, a classified briefing sometime before that. neil? neil: thank you for all of that, ashiah. let's go to general keith kellogg what he makes about all of this. general, much has been said sparse words applied to china from the president and then we get word the defense secretary was trying to call his counterpart in china and the guy wouldn't accept his call. where is this relationship going? >> yeah. first of all, neil, thanks for having me. second, last night that sounded like a family dinner of mine on sunday night. there is a lot of heavy-duty talking what happened last night in congress. this is not the the first time chinese pushed back on lloyd austin. back to 2021 they didn't accept his phone calls either. neil, you have to almost flip the lens to realize how the chinese operate. a lot of this is face, resolve, both on a personal level a professional level, a status

level as they call it. on personal level face count as lot, on personal level, status level they believe the united states is pushing back hard on them and yet we haven't pushed back hard enough. what happened with this balloon is really egregious. we should have had some type of a response. i haven't seen a response yet out of this government what we intend to do pushing back on the balloon. for them to push back on lloyd austin is a real mistake. they are not taking his phone calls. they haven't for a long time. i don't think president biden put out a policy how we're going to react with china. you know, went back to president trump we talked about decoupling where we'll separate everything we were doing with china when you got this 350 billion annual deficit. he said this was just unacceptable. i don't know yet with this administration, what is the gameplan? what is the plan how to handle china economically, politically, militarily, diplomatically? how are we going to work with them, how will we handle it when it comes to critical issues.

it goes back a little bit now when, when speaker pelosi went to taiwan. they got a little bit upset about that. we should just continue to do that. we should have a constant drive of politicians heading into taiwan. sort of like back in your face. neil: you know i don't know what mandarin is for chutzpah but for the chinese feel infuriated we shot down their meteorological balloon and then say it should be returned promptly to china and they're the ones hanging up on u.s. cabinet officials, calling them. they're the one insulted by what we did, it is upside down world? >> well, really is. that is, we need to respond some way in a very concrete way to let them know this is not tolerated. because they are pushing back hard. it is an issue of face. and they continue to push this

line that they're an aggrieved party. they're not. this is what i said earlier, honestly, neil, take the uss ronald reagan bring it out of the 7th fleet out of yoke hama japan, have it go around in circles around taiwan. you want to put something in the face, do something like that. we need to respond. you can't tell me, nobody can tell me what kind of a response we'll have to egregious action. for this balloon to float across the united states for a week, then we shoot it down on saturday over the ocean, we're not getting any value out of that over all. they will not pick anything up. they are looking at this what is going on with america. it's a test with our leadership. they're basically probing. they're check nothing see how we would react to crisis situations. that is my take on it. neil: you might not be too far off. i've been prescient about a lot of things. general, thanks for your service to this country as well. general keith kellogg on remarkable developments the chinese now saying you had the

nerve. go to taylor riggs what they're planning for "the big money show" right after this show in 15 minutes. what have you got? taylor: we have something different today, brian in is another studio with a live audience. we have asset managers, supply chain experts, small business owners here to react to the state of the union speech. get their reaction how they feel about the economy and inflation. before that more "coast to coast" coming up next. ♪. lomita feed is 101 years old this year and counting. i'm bill lockwood, current caretaker and owner. when covid hit, we had some challenges like a lot of businesses did.

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national finance committee member. very influential player in the democratic party and beyond. don, they say at least within his party he shored up support and the speech went a long way to doing that. do you agree with that? >> no. i don't think one speech shores up support. i think the bar was very low for the president and so he did better than expected and people were kind of relieved and somewhat excited about it but i don't think he shored up support. there is still continuous discussions who else is there to nominate for president, to compete in the general election. neil: much said about the social security, medicare thing, that the president dialed that back with republicans when they vociferously clear not for tanking social security, medicare, wiping it out. chuck schumer, said that was a rope-a-dope moment. he was trying to suck the republicans into responding, committing them for the next 10

years they will not touch those programs. that seems to be a bit too clever by half but your thoughts? >> well i think first of all, i mean this is a wedge issue that is always done especially when democrats get in trouble, they accuse republicans of taking away something like social security. clearly that is not going to be the case. ultimately i don't think he gained any ground at all by doing this, and i think he kind of offended, he had the opportunity last night to bring the country together. he ran as a uniter. he is supposed to be someone who works across the aisles. last night he antagonized many members of congress on the republican side and i don't think that will enure to his benefit going forward. neil: the party, the democratic party, wants to sort of see if he can get them to the 2024 finish line and some were interpreting this as a chance to say potential challengers to

joe biden, just stand down. do you think potential challengers to the president will in fact stand down? >> i think most of them will unfortunately because i think he does need to go through a robust primary season. i mean i think, you know, i'm here in miami. we had this week the milken conference down here. the big topic this morning was how many, how many hundreds of billions of dollars is he going to use to buy votes for the election? i think at the end of the day there will be a candidate or two that will challenge him. some people are talking about cory booker taking another look at this. i think there will be, there is a desire to have an alternative and right now the democratic bench is very weak and so the president gets the benefit of that. the vice president is less popular than he is. neil: do you think he keeps the vice president? >> i don't think he has a choice there. there would be, one, i mean it

would be catastrophic in terms of how he could reach black voters which is his key constituency which carried the day for him through the primary and general election. i don't know who would step in for her and who is ready to do that. you came and dance with the partner you came with. that is his partner. he has to ride it out with her. if they run they have to run as a team, that gives a pathway to alternative democratic thinker, much more in the moderate level of the party which is what many, many people are looking for. neil: yeah. many people thought joe biden was, when he was running for president. don peebles, always great see you, don. i appreciate it. >> great seeing you. neil: all right, meantime could it be we're only six days away from valentine's day a lot of people have caught off-guard, don't know how to celebrate or whether they have the money to

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neil: apparently love helps but you need money and people feel the pressure on for valentine's day less than a week away they are between a rock and a hard place with money being so tight and things being so expensive. gerri willis has some ideas. jim act you can't put a price tag on love but a third of us expect to iraqi iraqi up credit card debt for the most romantic day of the year. look at these numbers. a survey from lending tree, 20% say we might rack up some debt, 7% said absolutely yes we will and 73%, no way josé is what

they said. the average giver will spend $187,000 compared to 208 last year and let's look at those valentine's day gifts, special meal, card, chocolate, candy, flowers, something sentimental, i say all five, you can't do anything better than to get everything and even start with my favorite three letters, ice, ice is very nice. pearls are always lovely. i think a rock works. neil: everything you mentioned over-the-top expensive. >> think of it as an investment, something you will pay into overtime and returns will be fantastic. am i right? neil: i got engaged over valentines, four decades ago. my point, you save money to

help guys and put a magnifying glass on top. it is a nice way -- >> we see what is going on now. i am telling you, i can put the list on the web, on your page so people can see what would to be appropriate and i can't believe you got that woman that valentine's day expert, she is in high demand. neil: you left out pepperoni, the gift that keeps giving and cheese which is the gift that keeps staying but that is fine. >> i would say a trip, let's travel, we could take a trip. julie: are the best, thank you very much. that is what they talk about on