lauren: all right, let's get straight to our traders tom hayes and scott bauer. tom, you just heard the labor secretary. he says more people will go back to work when they're vaccinated, but how about when their state ends the extra unemployment benefits? >> well, i think that's a key factor, lauren, as you saw. actually, the number of unemployed people ticked up a bit to 9.5 million. that compares with 5.7 million pre-pandemic. the unemployment rate ticked up to 5.9%, that compares with 3.5% pre-pandemic. that manes that the fed -- means that the fed is probably going to, as powell have been saying, taper becomes a 2022 issue. market is up, biggest gainers, leisure and hospitality picked up 343,000 and education, 269,000 jobs. i think there's an interesting trade here, because the thurm one factor in housing -- the number one factor in housing demand is jobs. and we did pick up 850,000 of those this year. one of the things that we're looking at is the mortgage originators. they've been beaten up in recent months, and united wholesale mortgage corp. is trading at