the psychological impact of already spooked investors, the founder and ceo of fearless wealth, gary kaltbaumaltbaum capital management and personal finance expert jordan good man. good to have you all here. jordan i will start with you. might they be nervous and pull back on investing and spending? >> i think so. investors are spooked by this. latest number we had 72 reading lowest since july of last year, had been down from 78. gerri: consumer sentiment. >> even before this happened consumer sentiment fallen pretty sharply. only food thing commodity prices are coming down. oil prices might help at pump and food a little bit. that might give a little bit of confidence. gerri: i tell you i'm not seeing confidence out of investors or consumers. they seem upset about what is going on. gary, to you, you disagree. you don't think this will have much of an impact. how so? >> look you have anvent and you have a tragic event and gets over and done and americans get back to work, they get back to spending, get back to investing. unless the real b thing happens, another tragic event, another terrorist