>> how about the cpfl energia? utility companies were when our country was growing.nse. i would recommend a bank stock but those are a little bit dicier. i think a utility is probably the best way to go. let's go to joe in arizona, please, joe. >> caller: hi, jim, a big desert boo-yah to you. >> yeah. >> caller: i'm a philadelphia born and bred guy living in tucson. >> lucky for you, you got without because we don't have any teams that are winning. what's up? >> caller: i know. thank you last year for recommending us home gamers to switch from high quality stock to gamers and it felt a lot better in this crazy time to make money. >> particularly the september/october period when we didn't get hit much at all with our strategies. >> caller: great stocks. my question is in calculating the peg ratio from getting back to even, how do you calculate the growth rate, is it simply current year divided by prior year? >> yeah, well i like future year estimates -- you know i look into step function, last year, this year and next year, and it's between this year and next year th