neil: very good point, lenore. i'm glad you reminded folks of that even if you destroyed their a appetite for lunch. >> i'm sorry. neil: no, good reminder. to put into perspective what lenore talks about, that is packaged, you can buy the debt, much like you buy junk bonds, mortgage related securities as we did at the height of the last real estate runup. until something cracks. all of sudden there are not buyers for that. that is long sold off. you see if someone else wants to buy it f you're suddenly forbidden buying anything junk related or bbb or lower related, then you have got problems. we're not there i just want to posit. the reason we wanted to have lenore talk about that, it wouldn't take that much to get us there. not raining on any parade. just reminding you there are clouds out there. stay with us. or the latest phones. $4.95. no matter what you trade, at fidelity it's just $4.95 per online u.s. equity trade. no matter what you trade, at fidelity can't see what it is yet.re? what is that? that's a blaz