ms. kroft: we are positive on the firm as an economy, but as a stock ticker -- pi cker, i think it is great. we had six years of no volatility and no need for analysis. but with volatility back in the market, for people investing the money, a creates a ton of opportunity. individuals securities will trade more like individual securities as opposed to within the overall sector? ms. kroft: that' s exactly right. after the financial crisis of 2008, the markets did nothing but go up, with little concern for fundamental analysis. since the last year, volatility is back and in recent months we have seen it back with a vengeance. that gives managers the opportunity to buy stocks that they really like on the down. gary: if i listen to warren buffett, a number of years back 500 index fund, is it now time to sell? ms. kroft: there is a place for allocations. but today when you might have been more heavily weighted is going to make much more of a difference today. t think volatility is going anywhere. gar