but joining us now, neel kashkari. great to you have this morning.undred other things but since we're on the topic, a, do you guys own any apple and, b, what do you think? >> we don't own any apple in our active equity accounts, not yet. but we definitely like dividend paying stocks and as gary said, companies committed to growing their dividend overtime. we've been taught you can either have a dividend paying company or a growth company but that's a false choice. emerging markets had higher yield and nobody would argue that china is not a growth market. so we'll absolutely believe growing dividends a an attract hif opportunity to investors. we're going to have to see apple will grow its dividend overtime. it certainly makes the company much mover interesting from our perspective. >> where are you at the market now? if you look at the market for last week or for this year, i keep wondering if the train's left the station and if you weren't on board, you missed the ride. >> obviously the markets are up about 12 percent this year. while we're breathing