. >> john manley, you have the most zen member of our panel today. stay the course or make any changes for 2015? >> we are buying europe and emerging markets there. i don't see why the market can't go up here in the u.s.? things get crazy and the market is not pulling money in yet. it's been pushled insofar and not pulling it in. almost always pulls it in towards the end. >> echoing david tepper's xhentds. rick? >> yes. david's an economist here. there's inside baseball in the trading floor where they're looking at the savings rate adjustments, fueling this big consumption jump in the third quarter. >> yes. >> and many think that it isn't really a reality. any thoughts? have you been reading those comments? >> yeah. no, i think it is reality. when's happened is the government underestimating medical spending all yearlong. i think they're now getting to reality here. so i think this is genuine. consumers are doing more spending here. i think that will continue to 2015. >> thank you. >> that shift on health care is an important theme. thank you, everyb