well today at talk to steve jacobson, chief investment officer at sack, so bank steve jacobson, chief investment officer at sack. so bank. great. have you with us? how are you doing? all right, thank you. thanks for having me on. is our pleasure. so seen every turn of the air, you come up with what you call outrageous predictions for the ear to come. first of all, tell me why make outrageous predictions? what's to it? is it purely in mind exercise or there is more to it? well, it all started 20 years ago and you have to remember 20 years ago, we didn't have a smartphone. we didn't have social media. so at the time the time around christmas was very slow from major and markets. so we had a lot of time. oh, i had a reset, hang on a minute. why don't we do an exercise? we're just, you say is a mind game or a way to look at the future. where we really try to provoke thinking with the reader. in the sense that everything we do as human being is finding patterns and thinking in lena terms, this exercise about being not leaner, but look at the exponential risks, dance for exponential offsite