mr. postpostponed. does that kind of p well it came off a relatively low base. it obviously was a better deal a year ago, but we think it has more to run. we think energy prices will stay relatively low for a long time. two, it's clear consumers as earlier guests say are spending money on experiences. dining out is one of them. travel we think is going to be the other one. we think a direct beneficiary is a major carrier with no dollar revenue exposure to speak of. i think we'll do well with that stock. >> eric thank you very much. eric ristabin russell investments. >>> start-ups not just flocking to san jose but less expensive areas and where they go the venture capital money foll >>> well we're about a month into tax season and the average federal tax refund see if you can guess, 3120. it's paid out 125 billion in refunds so far. roughly equal to last year's pace but the trend may not continue. statistically, it's the early filers who tend to be those expecting a refund so they get in early. >> when you think tech start-ups, you probably think of san francisco