. >> at charles sh wab, have they caught on to what's happening? are they coming late to the game, putting their money in the right places? >> it's interesting we found with our client base is that the investors that have a disciplined approach, whether they have an adviser that they work with or have an asset allocation structure and adopting discipline around that. they have fared better and have state participants. we find the ones that are not so much do it yourself but winging it and trying to time the market in short term, they've been more fearful and on the sideline. last year was definitely a turn, increased interest. i would not suggest that the individual investor has a frothy amount of optimism. i think they are starting to realize things have improved, '08 came out of the 5-year number the end of 2013. you went from flat performance up to 125%. that's an eye opener but i don't view it as an extreme you need to worry about. >> what would you tell the people sitting at home thinking i need to make sure i'm putting money aside for retirem