mackenzie. that is a nice deal. we will see what happens with the energy market. they might be binding to a tough business long-term but that could pay off. bobtake advantage of the economy with lower oil prices and wages going up? jim: at some point in time, u.s. consumer discretionary stocks will do well. the u.s. consumer has a lot more money in his or her pocket. right now, they're not spending it. carol: do they want to spend -- millennial's in particular do not want a lot of stuff. then, retail sales, sure. jim: retail sales bounce around. over time you will see much more of that spent. whether it is experience consumer discretionary stocks will do that as well. olivia: everyone is bracing for a rate hike. you are a contrarian because in the past weeks and months, forecasters have been pushing back there assumed date of rate hike. why do you think it is still going to happen this year? jim: when you see wage inflation, it is huge. olivia: it is? jordan spieth wage and -- jim: wage inflation? it is huge. bob: mine is not. jim: you look to mcdonald's, target -- that will push the base up. average hourly earnings in the u.s., $24, $25. whe