or byron wein, p-e ratios, 17, 18, apologies there. byron has been doing pretty well here but you don't think fairly valued means overvalued. so does it not mean that you have to really though pick specifics stocks at this point versus let me buy the whole market? >> i agree with that 100%. i think the market is probably fair valued but parts of the market are undervalued. an example of that would be like the financial sector. very much lagged the rest of the growth in the marketplace and really has an opportunity to create some true value for everyone. in that sector i really like again worth financial and i -- genworth financial and bank of america. the genworth financial got hit. long-term case losses they had were a bit more extreme than what people expected. they averaged 46 million in profits. went down to 6 million. the fear they would throw a bunch of money into reserves. doesn't look like that anymore. the stock traded 13 and change. it has a book value at 24. "barron's" says had a great article on think. that stock, if economi