cause asility that can markets swing from being happy with the vaccine coming along to the impact todayot expect volatility to disappear at all. value still seeing great in recovery areas like heathrow in credit, offering good value. there is a future forward for the airline industry. are times when we are going to see that spike. we will see central banks come in. , think there is a good chance the one to watch is the central bank of the u.k., where we could get negative rates sometime in q1, maybe early q2. attention --rn our stateside, that could be a source of volatility. the georgia runoff election is going to take place, it is a coin toss at this point, but it is going to have a massive impact if it goes to democrats because it would allow the biden administration to take the gloves off to deliver huge fiscal stimulus. i am hearing up to $5 trillion. how would that change your perception of the way you want to invest in 2020 if you were to see that huge fiscal wave washed over the u.s.? in a normal situation, the first word to come to your head would be inflation. inflation taking