personally with my family we have canceled dinner plans with peoplewe haven't gone out. >>so businesses are canceling projects? they're not hiring on? >>even bmo was closed for a day. at the height of the cold we had a number of branches close. so i certainly think it has impacted the service side of the jobs picture. but is it the entire excuse for everything? no. i think there are some disappointments. >>where do you stand on the year ahead? >>i'm still optimistic. although, keep in mind that when we started the year, the s&p was somewhat overvalued relative to fundamentals. and i was hopeful that perhaps the fundamentalslike revenues and earningswould catch up to meet the current expectations. right now we're not seeing that so what's happening is prices are coming down to meet the fundamentals. and i do think at some point once they convergewe're not too far from there. we could see an interesting buying opportunity. >>so you don't think the fed was premature in tapering the stimulus? >>keep in mind that they have been talking about for the last several months that t