lenore, thanks you totally bummed me out. always good seeing. >> you good to see you, neil. neil: borrowing to buy, talk about itching to invest with money investors do not have. that has not stopped folks from diving into stocks they are doing so on marginboroing to buy. this the sign we are nowhere near the to. dan schaeffer says it's the clear sign for market top. chris you are staying calm? >> i am neil. absolutely. if you look back at past when we've seen margin debt climb just because the margin debt is high, doesn't mean anything. the year-over-year change, how fast it's growing, that's what really matters. >> how does that look? >> believe it or not, january, february saw it fall. march was off 5%. way off the significant increases we saw in 1999 and 2,000. neil: the argument is in that the number is going up there is more borrowing, that is a trend that's not the market's friend. to counter the fundamentals, right? >> in this current environment, neil, with the margin debt so high and a lot less players in the market, it makes it more for if the market starts to fal