daniel solin author of the smartset investment book you'll ever read are here. very interesting thing that i don't have a clue about 2010. if i speak to an investor who says i'm worried about 2010, my response to that investor is you have no business being in the stock market at all. if you don't have five years where you're not going to need 20% or more of the money you're investing, you're just gambling. the bottom line here, beejal, is a lot of people like to talk like they know what's going to be up or down. nobody knows. that's why markets are random and efficient. >> let's talk about the issues facing us here, whether economic growth, whether that would be sustainable in 2010, governments struggling with huge debt loads around the world, the housing market still questionable. what has the biggest potential to affect the most. >> the bogging down of issues with economists in a room, they would all give you different answers. one would say i think it's housing, the other would say it's something else if that nobody predicted the rebound that we had in 2009. i