rick, you know, now you're anging me on a retail level. i tell you what i do, i look at the fidelity website and i see where current morgan stanley or goldmancds are, at about 2.15, where my local bank is 1% it is out there, or go in and buy two-years. how can you go wrong buying two-years at 1.90, or get 2.10 or something like that, it makes good sense, get a good yield, no risk >> awesome you know, andy, i'm sure my mom is watching, taking notes right now. thank you very much, andy. hope you have a happy and healthy new year kelly, back to you >> good stuff. thank you both >> as we head to break, a special night coming up on cnbc. it's the premiere of the profit in puerto rico an american crisis some americans are living in unfathomable conditions while they wait for help marcus lemonis saw some of the worst firsthand. >> el salto is perched on the side of a gorge. it's home to trinidad revara and her extended family. we trekked up to her house >> you have to cross a zigzag. >> or what's left of it. >> there used to be a wall here? >> yeah. >> and a roof? >> yeah. the roof is right there. that's the roof. >> this was your family room >> y