she's hilary kramer, editor of gamechangerstocks.com. great to see you, welcome back to n. b. r.. >> thank you, great to be here. >> tom: with all the uncertainty about the outcome of the election you're putting money to work in the market before election day. why? >> because there's trillions dollars on the sidelines just waiting to be deployed, it's going to come from the bond bubble and go into the stock market and right now there's uncertainty about elections and you're going to see a bull market once those elections take place. >> tom: and you're putting money to work in a housing related stock here with p. m. i. group and radiant. these are two private mortgage insurers. both of them have seen nice ralies since august, but still trade at just half the price they were back in the springtime. why now? >> okay. you want to get into p. m. scompichlt radian now because when the republicans come in you are going to see much more emphasis on the private sector taking risk and less emphasis on freddie mac and fanny mae. already the obama administration started this, on october 4