okay the next question is from patrick sutera jim, for retirement, is it best to dollar cost averagewait and buy on market downturns/madtweets. this is really important here's the way i do it i try to do it 1/12 a month if i can, each month, but if there's a big break in the stock market, i accelerate some that i would do later in the year and put them to work in that break, even up to a third of it. so in other words i like to take advantage of the declines and accelerate what i put in and i've done that for years and years and it's really worked for me otherwise, divide by 12. next up is larry this morning, my wife said what would they do without cramer my wife said the same thing. all right. now, look, you know, i'm a teacher, i got some books, i try to come out here every night but it's really important for people to know what you need to do, what would you do without yourself this is about empowering you it's not about giving you ideas. it's about how to look at them a lot of people look at this show who haven't watched it over the evolution and say, oh, he tells you, you know,