smith, john mayfield, along with david mercer. welcome to everybody. how much worse is this going to get? >> i think it's definitely going to get worse. look at all the crazy swings we had last week. i'm not meaning to make light of ebola at all. anytime you're seeing somebody get sick, they're quarantining planes, buses, schools, this is going to continue. and i think this adds to the problems the market is having and the reason is because ebola has such a high mortality rate, fatality rate so, it's causing this fear of this wide pandemic. but remember the cdc has been wrong about avian flu, the swine flu, they've been wrong about malaria coming to north america. they've been wrong about sars. hopefully they're wrong about this also. but you're going to see the market have wider gyrations while the market is dealing with germany slowing down the eu and the fed keeping interest rates low. >> gary bee. viewers sitting at home, a lot of us have 401(k)s, a lot of that is in the s&p 500. and just to keep in perspective, the s&p is up 2% so far this year ev