welcome jill garvey. es death and you know what, jill, if you believe what the white house is saying. we will get higher taxes on certain income levels. should it change the way we think about markets and inve investing? >> absolutely, brian good to see you as always. good morning it is amazing that individuals do not put as much an emphasis on taxes the single largest expense we will pay over our lifetimes. brian, what will happen to potential tax changes? we think there is a high likelihood of ordinary tax rates could go up you as soon as next year couple that with the corporate tax rates may not go to the 28% that is proposed, but 25% is more likely. capital gains tax rates increases. we are luke warm on that, brian. that is factoring into the decisions that clients are contemplating and recommendations we're making we work with multiple business owners in the midwest and the great lakes region we're encouraging them to consider selling if they have not already and try to get the sale closed pfbefore th