i want to bring in terry savage, steven moore and naomi prin. steve sen a senior economic writer and conservative commentator and noem i a senior fellow at demos is. she is also the author of it takes a pillage, an epic tale of power, deceit and untold trillions. terri, let me start with you, the stock market is disconnected, the s&p 500 up 120% since the lows of 2009 and a new forecast guidance this week says it is not done yet. they say the s&p could go to 1900 by the end of the year. it would be a gain of around 17%. half of americans aren't invested. they're missing out. what needs to change for more americans to get in? >> well, you know, let's not blame the stock market or complain about it. it certainly feels a lot better than in march of 2009 when the dow was 6700. the real thing is the fed is extraordinarily successful at creating a lot of money. it helps the government refinance its deficit at low interest rates and since interest on the national debt, the third largest category of spending after defense and social spending, the govern