joining me now is malcolm gibs, founder of his company and another entrepreneur and owner of a business. welcome to all of you. it is so great to have you ere. david, i will start with you. remind consumers are spending every penny that they have. is that good? >> accounts are going up, i don't want people to do that, but the average american consumer has money and the spending that. gerri: what do your clients a? with you people tell you? i don'think people feel all that optimistic even now. >> we have had a lot thing and asking if we should be getting out of the market, is 2008 coming again, we hear a lot o conscious investing. gerri: 76% of the people they talk to are shying away and we had seen one of the biggest runs of my lifetime, i have to tell you. what are people telling you? >> i think people, as we heard from the other guests, they are cautious, but they are wondering where else to invest. this is become the economy and people feel safe investing here. when they look at europe and other places, they are not as comfortable. that certainly doesn't appear to be an attractive al