you can get very comfortable with that, and i think for the for siebel future, the central banks willtinue to be extremely transparent, keeping volatility low, and risk assets look ok for the foreseeable future. i really do believe that where we are is not going to last forever. to make investments based on what's happened over the last eight years, when the central banks, particularly the fed, is saying we are changing the game, we are going to stop buying every asset -- when they take the long end out of the market, they are taking volatility out of the marketplace. when they put it back, particularly mortgages, investors hedge the volatility, and that causes it to spike. to assume that this trend will continue is an error. the bottom line is you are not getting compensated. you have an incredibly flat yield curve, a credit spread that is tight. you are not getting compensated for where you are. jonathan: lisa, you have written about it as well, investors sitting on their hands? >> well, right now you have spreads, the extra yield people are receiving to own investment grade bonds o