i think flthere's a lot of sign in the market. a high degree of uncertainty about what's going to happen. the message i always have in businesses when i try to talk to them is it's like when i get up in the morning to do an event like this and it's pea soup fog outside. you know, i don't want to make the drive but i don't have a choice. you have to build your business even with the uncertainty that's out there. >> what's wrong with pea soup fog? we're going to go to the audience for about 15, 20 minutes of questions. but before we do, does anybody have cheering observations to make? this has been a fairly down -- >> it's a business mall science, what do you expect? >> rigorous economic dose of pessimism most of you have been giving us. paul, where is the silver lining here? >> i'm optimist. in fact, used to tease me at pemco, i'm the house optimist and i'm still the house optimist. i think our economy is a growing concern. we have americans get up every morning and go to work, you know, support their families, have aspirations for