d wall street is going through a correction, as you just said, aon correc there is some portfolio repositions going on right now. we do not bieve that that is going to leak over onto main street into the real economy. so long term investors keep your eye on economy. and we think you know things -- from will be brighter skies to come, but there will a be a transition and the transition is not over. we can see this volatility continuing. >> kimberly, how about you? how lo could this spasm last? >> that's a great question.el and i have to you, no one knows. that being said, what we're going to do is look at how people -- how investors value stocks. and generally, what they do is they look at the p/e times a multipl multiple. we'll get to what that equation is here in a second. it's price divided by earnings times some multiple. historically when earnings have investors very low have had to accept higher multiples. last year, the market end at abou 20 times the price to earnings ratio of the index. lid this year, that's falling. and that's f because of bond prices. so what we have to ask ourselve