danny genter of genter capital management. big component of the rally has been energy and now that sector seems to be faltering. what will drive the stock markets next? dan: i think you are seeing the overall market trying to deal with the data in front of us. when you look from a u.s. perspective, the economy is in pretty good shape. the fact is, when you look at earnings growth, when you look at inflation and some of the number starting to subside, we are in a position where the market is fairly valued. a lot of cash on the sidelines wants to be put to work. they are fighting an unexpected outcome of what is going on with the fed. if the fed stays within 75 basis points of where we are now, we could be closed to 230 this year, 240 next year on the s&p. where we are at now is very fair. every time they see good news they will put money in. when the fed doubles down to the -- with regards to the other fight against inflation we see major pullback. you have yen and yang that continues. >> goldman sachs thinks that bear markets

genter health sf program will move there this fall access to quality gender affirming care. the capitol improvements in juvenile 22 includes total upgraded exam rooms, 4 consultation rooms and remodel seismic upgrades, fire protection upgrades and air conditioning and plans around the facility renovates. and how we are improving the infrastructure to care for san francisco residents. next item is with regard to the release of the 2021 hiv epidemiology reports this out line san francisco's progress toward getting to zero new hiv infections and highlighting the changes faced by people in homelessness and people who inject drugs with hiv care and prevention treatment. number of new hiv diagnose was 160 case in 2021. a 16% increase from 2020. number of new diagnoses is lower than the 173 in 2019. it is unclear whether the rise from the 2020 is the result of rise in transmission or more access testing as the covid-19 pandemic subsided in tests of the lower number in 2020 under estimate of new infection in that year of we are continued to ensuring people understand that hiv is sti

genter, what you commit to fight fraud given your customers their money back? >> we return money today for fraud. scam is a different issue. the owners are working to improve to get our customers monies back. >> we also reimburse for fraud and unauthorized transactions, work hard to work with customers to educate them on scant. >> understand people listening with exception of one of you you are the owners of the cell. mr. roger. >> we reimbursed for unauthorized and we worked together we do a lot of education for our clients to help avoid criminal activity. >> ms. frazier? >> it's a top concern. we take it seriously. we reimbursed the unauthorized transactions. >> mr. dimon. >> we reimbursed and take a lot of entities to make sure off-price transactions are not scant. >> mr. moynihan? >> we reimbursed for unauthorized transactions and like mr. dimon said we send out notices and everything to avoid -- >> mr. shar? >> we reimburse for unauthorized transaction and we as a company and across ews world working toward reducing scam to try to drive it out of the syste