and i started posting a ton of just terrific info on gerri willis.com.be sure to check that out. we're going to be talking about everything from choosing a doctor to cutting your health care bill to even just reading your health care bill. we know it takes a lot of time to do all of that and, of course, we're going to give you the guide to doing each and every one of those things including how to get the most from your insurer. but first, a record amount of cash is pouring into an investment boasting high yields and limited rate risk. i'm talking about bank loans. but this is -- is this a smart move for your money? joining me now, jamie cox, managing partner for harris financial group and phillip silverman, managing partner for king's view capital. i think we've only got one of you, do i have that right? is it you, jamie? >> yeah, i'm jamie. yes, ma'am, i'm here. gerri: all right, i think phil's coming in in just a second. but i want to start with these floating rate bond funds. so it's the debt of companies that are having trouble paying back a lot of d