 worth the headache in my estimation we got about a minute and a half let's do something here let's work with me i'm gonna be your broker you'd be the 80 year old man like i'm not looking for any dramatic i just want to see how this might play out hey i think you should move a hundred thousand dollars into this bond fund because i think you'll get higher yields as interest rates start to fall and it could be about a five percent delta uh what do you think i prefer united what about delta