carmen from florida. you are on the air. caller: yes. thank you for taking my call. i would like to ask mr. schneider -- hello? host: you are on the air. guest: we are here. caller: yes, earlier a young lady: regarding interest rates. i do not believe that he expanded to a real question. he spoke about interest rates, but janet yellen spoke regarding seniors who had been contacting her, and it is a big problem you know, interest rate cd's, ira's that seniors do live off of. ever since the interest rates have been dropping, and now they are down to 0% 0% or .25% whatever you want to say. something must be done regarding this situation. not reliant on other items, you keep talking about business is having a problem. you know, the seniors that helped the economy while they were all working, of working age, and now we are talking about businesses. how about talking about the seniors in this country, please? host: all right, that was carmen from florida. guest: i think the point was when this issue came up a few minutes ago was that i think the fed does think about the impact on favors, and some of them will bring