kate moore this is why stocks were not good.ve lots of wiggle room. >> they have lots and lots of wiggle room. we have good underlying growth. >> this is like college financing. >> wait a minute. but then what do you do with that money? >> you give it back to shareholders. i'm sorry. >> everyone would welcome more dividends with open arms. as i was saying before, we want to see them put their money to work with real investment. >> do your clients of interest in a 4% for your coupon? -- four-year coupon? >> everyone wants to have a little pocket of yields. >> we're going to talk oil right now and demand for oil. elasticity. we want to dive into it. you have great research on this, skip. what we are going to do with cheap oil. are we going to buy more? >> we are starting to see that. we saw a surge of gasoline demand in the fourth quarter. we think that u.s. oil demand growth will be up 3000 barrels per day this year. >> are you going to push against that? do you buy the idea that we get to $20 per barrel? >> it is hard for us to