here with me now anthony khan and daniel decan martino booth. demartino. stock market is looking at all of the stimulus money coming in. are we just too stagnant on wall street? >> charles, there's a lot of stuff going on, as you can see, but i just finished some exciting research that that actually finds when we leave a recession, and i think we clearly left a recession in 2020, we will see a big bounceback the year after. in fact, what my research finds is when the s&p 500 goes up less than 23% in the year we're leaving a recession, the next year you get a double-digit rate of return in the s&p 500. and last year we got a return that was below that. so i expect at least a 15% rate of return. we do have a lot of turbulence out there politically, but outside of that the fundamentals suggest that as the economy leaves the recession and we improve and the vaccine, of course, in the driver's seat here and we get that onboard, we should have a double-digit rate of return in 2023 from the equity markets. charles: you know, dan yell, it's hard to argue at least