romaine: a great breakdown, t aylor. let's keep this conversation going. tom finke is joining us now from charlotte, north carolina. tom, help us make sense of this. obviously the normal metrics that we would normally used to try to value markets, all of those are meaningless on a day like today. when you look long-term though, is there a fundamental base that we can sort of work off of to try to figure out whether things have gotten oversold, or maybe if there is more to come? tom: first, thank you for having me on. it is definitely very hard to be in a day like today and really think long-term, but that is what you have to do. a a lot of this is looking at industries and companies that will be countercyclical, or that are more defensive, whose cash flows will be strong. but there are industries we do not know about, whether that is lodging or transportation. right now there is a lot of noise, a lot of anxiety that is fueling the drop in all the markets. but you need to step back and continue to watch for your opportunities to invest in better quality com