so michael kushma, let me turn to you and ask about the landscape. where does this send rates we can see a market performing well, a nasdaq doing well, rates kind of going nowhere. >> i think that's right. i've been in this business a long time. i can't remember when i've seen the ten-year u.s. treasury end with basically two basis points, and today we're flirting with actually driving a bit lower than that number, and i think it will stay there. i think the commentary coming out of the fed suggests they're still wary and concerned, but all the uncertainty about how the pandemic will play out over the next several quarters, and they are committed to provide as much liquidity and spore as possible to keep interest rates very low and the policy and actions have been incredible enough to achieve their action they can be driven obviously by private sector forces today, with treasuries rallies, but i think they're going to stay at the rock-bottom levels indefinitely. >> which is unbelievable to think about. you think about those who depend on higher rates