now i know i'm going to get the emails and yada, yada, yada. i don't care. >> you don't have to wait for the emails i got pete pete >> well -- >> let me have it, pete. >> no, no, i understand what you're saying, kevin it is difficult. but to joe's point, there are names in the financial industry i think you can invest in and be very profitable fairly rapidly i think american express is one of those names i think you could go across and see avisa, mastercard, those kind of names. i also do have some bank exposure now, am i happy with some of the results recently no, not necessarily. but i still have -- there are moments in time, we all know this, everybody talks about peter lynch, how you got to be in the market for the entire year to take advantage of the multiple moves that you get, four, five in a year, i think there are names in the financial industry that still trade at a level where you can own them i'm talking about bank of america and citi, based upon where they trade right now, i think they are still very inexpensive, and they do give y