how our viewers invest, with mutual funds, some are manageed by somebody who srupbg a fund, otherisrunning ta disib nation by morningstar. let me tell bank on that. from 2004 it today. of the five-star rated mutual funds, 37% lost one star, 31% lost two, 14% lost three. pat, what do you make of that? should we be picking funds on the basis of star ratings? >> a very interesting analysis. there was a book in 1987, bestseller by peters and waterman, called in search of excellence, they studied all of the top companys in the dow, they found that they rarely stayed on top for lor more thanr 3 years, a principle called mien reversion, picking five-star funds today at the top. gerri: does not work so well. >> it is of often, ast -- analoi use, last 10 super bowl winners 8 did not win a play off game the next year. gerri: all right, mitch, last word for you, your world. these can tkphruplet plummet, dy attention to star ratings? >> absolutely not, i think this have a hoax, even morningstar admitted it. best predict or are th the -- people need to really get this. there are two religions in investin