backdoor it is wonderful and jim worked hard to make sure that happened we have a new manager andy merrillas been an just a minute manager for two to three years he's going to assume the duties we're excited is it is an energetic group of folks taking over we had a had an to checkout the road scores it was instead of it is amazing big a low bigger buena but if blends in well with the environment and the camp err happy thank you to the commissioners to make that happen it's going to be well, well received next week on tuesday another group of us are going up to help with this general maintenance issues to help get the camp ready think i told you we have a long term friends of camp mather project replacing of curtains in all the cabins we're getting there i promise you they'll all be washed and many other things that folks will be getting together over the that three or four week prior to the beginning of camp we're also continue over the community opportunity fund process i'm happy to report we've made it to the first round and now getting more information to the department and beefing up o

andy seig is the head or co-head of bank of america merrill lynch's wealth management group, special the baby boomers of which i am one, getting ready to retire getting ready presumably to live a long time, and the millennials on their heels getting ready to build wealth what are the differences between those two demographic groups? >> the baby boomers are rethinking everything we thought we knew about retirement. they know they will live longer. they're intending to work longer. given their good health they have expectations of an active later life. so they're not necessarily lifting to fixed income portfolios in the way that prior generations did. partially that's lifestyle choice. partially that's the market environment. so we see boomers being very even gamed investors, they're thinking about portfolios that will have to stretch across a 30 year, 40-year retirement. the millennials what do they want? >> they want to pay down student debt. paying down debt is the equivalent to savings. that's a real burden on most millennials today. they're getting engaged in workplace savings pro