navila and christine thank you very much. of you, thank you very much for bringing your very much opposite the opinions on this to the table. we appreciate it. >>> we're going to take a short break. we'll be right back. ameriprise asked people a simple question: in retirement, will you have enough money to live life on your terms? i sure hope so. with healthcare costs, who knows. umm... everyone has retirement questions. so ameriprise created the exclusive confident retirement approach. now you and your ameripise advisor.... can get the real answers you need. start building your confident retirement today. in a race, it's about getting to the finish line. in life, it's how you get there that matters most. like when i found out i had a blood clot in my leg. my doctor said that it could travel to my lungs and become an even bigger problem. so he talked to me about xarelto®. >>xarelto® is the first oral prescription blood thinner proven to treat and help prevent dvt and pe that doesn't require regular blood monitoring or changes