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day and that means we get started a little early because one of our millionaires Mr Jonathan twombly needs to do our discussion at 7 30. so you get the live at 7 A.M well we are back in the country and some of you have asked to see my puppies they havent been on camera in five or six weeks if you dont know this is happy she is a good girl and usually just sleeps by my side and this one is sunny hes a little more rambunctious he likes to get into stuff and hes usually running around my feet so a lot of you asked to see him there you go sunny and happy there we go so March 2nd we got a lot of stuff going on in the market lots of things we have been talking about so lets get right into it I want to talk about rates and I want to propose a what if scenario to you first and foremost rates are clearly going higher the 10-year now has a four handle on it the two-year is 4.8 and the one year has a five on it these rates are going to give folks options right there has been a long time sin