here now is ron kruszewski of stifel nicolaus and michael farr.are analysts and customers saying? pretty good store. what do you do? >> it's the sign of the times we live in today and the security breaches are not acceptable. i think in a couple of weeks this story will be forgotten. it's going to cost target, we think, you know, $50 million, $150 million. the card processer might be liable. the timing is just awful. but i don't really think it's that big of a deal to the overall market. >> michael farr, can target make it up? what ron is saying is it's bad timing. he's right. last big shopping weekend before christmas. discounting at 10%. you know, the way the retailers operate, it's like january sometimes is more important than december. what do you think about the target story? >> i think you're right. i think it is a very big story. i think probably it will turn out that target was as much of a victim as any of the credit card holders. but this credit card business and credit business for target has been very important to their bottom line. th