no government bond exposure, 22% of your bonds are junk rated, speculative, and a third are nondollar denominated, in other words are held in currencys other than the u.s. dollar. is that how you're able to get that yield around 4%? >> yes. the below investment grade credits give us that yield, and again the economy is improving so we think it's a good sign to be taking credit risk. and in terms of liquidity, that's what treasuries would normally fill that position. we're concerned about the long-term total returns in treasuries, so we're using canadian government bonds as our liquidity reserve w. the added bop us that longer term, because the global economy should be doing better down the road, commodity currencys, canada, australia and new zealand, will be doing better, so we like the currency there as well. >> tom: i want to bring you back to interest rate versus bond price, because the capital gains we've seen with these bond funds have been great for investors, but again for that need for a monthly income, how do you approach this market for the rest of the year. >> it is a challenging marke