well, greg stewart, top turn capital cofounder and cio thank you. resting stuff, greg. appreciate it. >> thank you. cheryl: so, if you're at the casone household yesterday gifts were missing under the tree, don't blame the grinch. blame ups and fedex. we'll tell you about a delivery disaster coming up. like five. my brother was really upset. david: 2014 may not be a very friendly year for homebuyers as new mortgage rules take effect, more restrictive rules. so what can you expect if you're in the market for a new home or if you're trying to sell one? we'll break it all down from both sides coming next. ♪ this is the quicksilver cash back card from capil one. it not the "limit the cash i earnvery month" card. it's not the "i only earn decent rewards at the gas stion" card. it's the no-games, no-signing up, everyday-rewarding, kung-fu-fighting, silver-lightning-in-a-bottle, bringing-home-the-bacon cash back card. this is the quicksilver card from capital one. unlimited 1.5% cash back on eve purchase, everywhere, every single day. so ask yourself, what'