investment grade or even lower credit ratings could actually throve as we start to see some progress brest in the first in the first half of the year. >> since interest rates could rise in 2010, what is your forecast for rates on cds and money markets, when is a good time to start investing in those again? >> cds and money markets clearly have offered no yield and i'm going to say that for the most part of 2010, we're not going to see too many big increases in yield. the fed certainly does not want to take the punch bowl way early and i think given the fact that our stimulus is starting to wind down on the fiscal side, i do think the fed going to continue to keep the pedal to the metal on the monetary side which means short-term rates will likely stay close to zero for the course of 2010. >> and considering gold has been a really strong performer in 2009, do you think it could continue to gain in 2010? >> now that you mention it, gold is another area i would avoid in 2007. we've had a nice run here, but some of the underpinnings justifying gold are starting to reverse. the fact is that the