liz: okay, so scott bauer, what kenny points out that is still very much in play are the rate hikes. over the weekend we now have goldman sachs, wells fargo, jpmorgan, all calling now for five rate hikes this year, and by the way, bank of america decides now it's going to be seven rate hikes this year, either way we've got the 10 year yield at 1.788% this morning it was at 1.8% so coming down just a bit. do you think the january jitters are over? >> no, i don't, liz; however, i don't think that we're going to continue this massive amount of intraday volatility that we've seen. we got last week as kenny pointed out on the 24th that massive vix spike and that was almost a feeling of capitulation now i do think that we probably will retest those lows but not on these big massive intraday moves that we have had. i think that that happens one time, people get freaked out about it, traders get freaked out that's why volatility spikes up and then it happens again and it happens maybe a third time, and you don't see quite the panic. you don't see quite the move, so i do think that we probabl