they say volatility is a good thing for long-term investors barry glassman president of services and founder and ceo of financial fountains. welcome to both of you. let's begin with you. you maintained a little volatility or a little more volatility is a good thing because it reminds us that investments come with risks. to me, that feels a little bit like sg putting your hand in a fireplace is a good thing because it reminds you that fire is hot. >> well i wouldn't go to that extreme. the big question is why do we have volatility today? now, dominic brought up great points as far as the plunging oil and uncertainty as far as greece but we've had those kind of moves before. what i tell my clients is this. when my kids have been bowling, they've had these bumpers controlling from the ball going gutters and what we as investors have had are these bumpers that are controlling the wild swings within certain markets. we've had opec keeping oil prices somewhat stable. we've had the federal reserve buying bonds more and more keeping interest rates low and we've had countries keeping currenci