hopefully, it continues, it's whether or not to watch, and when it goes south, no problem with sellinping the equity market. erri: like, oh, the target's been down, pull money? is that what you mean? >> n, nota day or two. look, markets have an ebb and flow, fea greed, emotions will be around. you get into moments in time with bear markets, and the last 13 years, two 50% drops in he s&p. that hurts. a lot of people get out in the midst of that, and a lot of people get out at the btto try to recognize when things urn south. don't worry what people tell you, do the go to sleepindex. if you are not seeping well, get out. you can always get back in. gerri: you know, i see everybody talking about dividend stocks over 12 mnths, and i'm wondering shld you be thinking about something else now? think about something else besides bonds? corporate bonds the pace to be? what do you tnk? when you look at the great b asset classes, wha do you think? >> i'm a huge bear on the bond market. i've been that w for quite a while. i believe the big ubble in bonds as the fed manipulated rigged rates down an

some of the folksredoing because they are charging high fees for program that are free, as you say, selline fits all approach, the same answer for everybody, provide inaccurate information telling you things about the government programs that are not true, discouraging borrowers from handling their open cases, and focusing op sales, nt counseling how did these, i guess you would say companies, typically approach students and people with student loan debts? >> well, some advertise o tv @%th names that are similar to the federa overnment's direct loan program. you hear these advertisements for services that the government offers,but it's as though these outfits provide the services instead of simplygiving you the federal government income based repayment plan. gerri: do you have an example of a name? >> just y googling consolidation loans or debt relief, and you'll find dozens of them. they started popping up in the last few years. gerri: unbelievable. you know, we try to avoid not talking about scams that, you know, you'd have to be stupid to fall for, but this may not be anything that -- t