let's bring in kourtney gibson of tiaa.d to see you, welcome back. >> thank you. >> let's settle this. we just had a bull/bear debate, and a good one at that. great points made on both sides. >> the answer to that, scott, i am always going to be cautiously optimistic in a time like this. longer term, and you know i tend to be much more of a buy and hold investors for our retirement business, we talk about the importance of being a long-term holder. i think the short term we know will be volatile. we heard from jamie. i think you had larry fink on is what i heard. we know this will be a tumultuous time. what does that portfolio look like? are you staying diversified? are you sticking to your knitting when you think about where your asset allocations should be? and how are you ensuring income is part of that overall portfolio for the long term? >> i'm looking at things you've done recently which i guess would suggest a more cautious view. so you're putting your money where your mouth is. coca-cola a staple stock that had gott