manish singh is still with us. the scotland question. have been putting this question to a lot of people. independent of the vote we get a change in u.k. assets? >> not really. i would say that what it means, if they go independent, they are going to diversify themselves in scotland if they do it. theeduces the influence of united kingdom as a whole in terms of higher debt, higher expenditures for both side of the economy. i don't think it changes the fundamentally. i am bullish on the u.k. economy. to extend to managers on both side that have a client in england and 10% there, it changes for them. it is a worst-case scenario for scotland. it calls into question about where you want to incorporate your business, thinking they might as for another referendum but they said they would not ask for another one in a lifetime but how many trust the politicians saying that? >> the fundamental question for the market over the last several weeks is, they vote yes. what does it mean for guilt? >> i think they are going to rise. you might see a smal