This is HUGE

So folks the reason why their was a coordinated effort by central banks overnight was because a big European bank failed. This is trouble because why we are led to believe everything is fine we are actually crumbling. Something deep and big is brewing and 2012 will be the year the powers that be can't keep it up and we sell off hard. Remember I have a multi year cycle low coming late next year into 2013, that is something to really watch out for could be a real shocker but a great buy and hold when it happens

WOW

I guess the banks were on the brink again - for this intervention to come as a join effort is amazing. Hard to trade with this news driven stuff

1196.50

watching this number on the close- they trying to trade around it for sure- with 4 minutes to go

Number to watch

Number to watch into close is 1196.50. A close below that might signal yesterday was a drop in the bucket news rally-

Early

Early we getting some weakness- but most importantly we below 1190. 1184 is a good spot AGAIN for the bulls to show what they have as today is good as any other time as we could have a nice turn around Tuesday.

futures closed

Futures closed @ exactly 1190

1190

45 minutes to go the bulls trying hard to close this above 1190 to save that pattern- we will see soon enough if they can make it happen. It is Critical

1190-

1190 here - let see if we get a dip below to around 1185 and set up a bounce

Overnight -Pre market

We almost hit the 1190 level I spoke about in the post last night- we hit 1191.50 on the S&P futures and some might call this a hit. For me it must be tested in the regular trading hours but the market often does do what we want it to do. As I have been saying most the the market moves are being down outside of regular market hours because everything is computer traded right now and that leaves the regular guy out of the action. We will see what today brings, remember it is a holiday week and more than likely volume will start getting lower as we trade into tomorrow.

1215

No surprise for the last two trading days we have closed around the 1215 area. So fascinating to see technical work and we got to come to reason the markets will do what it will do no matter the news which i call technical noise. Now for this week and maybe as soon as overnight are number to watch is 1190. 1190 is the magic number for the bulls as a lower close would nullify the bull flag on the longer time frame. 1190 is do or die in my opinion and lets face it we only have a month left for the market to try and assume some rally to make it a positive year though just marginal.

1215

Buls have to try and regain that before the close or 1203 is definitely in the cards-

Flush

wow we spliced through 1215- 1211 here this is getting ugly fast. Something is going on this can't just be the computers selling

WOW

Soon after I posted be careful of a break soon we lost 13 points on the S&P. I am looking if there is news but none I could find for us to sell off so hard. 1217 here but 1215 is the number to watch. Wow wild market- two days ago it liked like we heading higher looks like a head fake

No Man's Land

Nothing esciting happening and this is a sure sign of a move coming soon. Don't get too caught up in being bearish or bullish as we can go anyway. Please Note though we heading lower here bulls still have the momentum till we close below 1190 on the S&P

Oanda to clients

Oanda, one of the largest online currency trading platforms for retail investors, has some unusual advice for its customers: Stay out of the market. “We are encouraging our clients not to trade right now, but to watch the market carefully,” said Michael Stumm, president and chief executive at Oanda, in an interview. Oanda this week sent an email to its clients, advocating that they move to the sidelines and watch the markets tussle over each new headline out of Europe. Oanda had over 29,000 U.S. clients at the end of the first quarter, the most of any retail broker, according to the most recent data available from research firm Aite Group. The brokerage stands to lose revenue if customers heed its warning and trading volume falls. Online trading platforms like Oanda earn money on the spreads between the offering and asking prices in each transaction. But if Oanda clients stay in the market and lose big, they’ll walk away for good, Stumm said. “We want them to be with us for the long term,” he said. Currencies have swung wildly and unpredictably over the last few weeks as European leaders have struggled to agree on a comprehensive fix for the continent’s debt crisis. On Wednesday, the euro traded at $1.3495, up from a one-month low of $1.3429 hit earlier in the day. “Our analogy is that if there is a storm brewing, you don’t go out in a sailboat if you are an amateur sailor,” Stumm said. “If you are a real professional and have weathered multiple storms, then it might be a lot of fun, and you might get a lot out of it. … And I think the same holds true for the forex markets.” It’s too soon to say whether clients are heeding Oanda’s advice, said Dean Popplewell, the company’s chief currency strategist. Currency traders say they are fielding more calls from clients of all types looking for additional guidance on hedging and investment strategies. “Companies are taking a much closer look at all of their risks,” said Jack Spitz, managing director of foreign exchange, financial markets and derivatives at National Bank in Toronto. “They are spending much more time doing due diligence about tail risks and currency volatility.” That volatility, Stumm said, is “generally not good” for retail clients. During the financial crisis in 2008, Oanda saw a substantial drop in trading activity as clients, disappointed by losses or overcome by fear, withdrew from the market. Oanda is seeing parallels to 2008. Volatility also surged just before the 2008 recession, cautioned Oanda analysts. This week, seeing no end to the European debt crisis, and the currency market tumult it was causing, Oanda hit “send” on its cautionary email.

Short term difficult to assess

Short term here it is difficult to assess where the markets will break out to- Right now we are in a trading range and we will break higher or lower inevitably but the true answer is when! We are trading around the 200MA and that makes its more difficult (above 200MA bullish below bearish). Also one thing I see on the charts is a munch of tight triangles showing bear and bull triangle but because they are coiled whether they go is the problem in assessment.

How a Financial Pro Lost His House

ONE night a few years ago, when the value of our home had collapsed, our debt was out of control and my financial planning business was shaky, I went to take out the trash. There was this enormous window that looked right in on the kitchen table, and through it I could see my wife, Cori, and our four children eating dinner. It was dark outside, so they couldn’t see me, and I just stood there looking at them. After a while, I pulled up a bucket and I sat on it, just watching my children eat. I found myself wishing that I could get back there, connected to the simple ordinary stuff of my family’s life. And as I sat and watched, filled with longing and guilt, two questions kept arising: How did I get here? And how am I going to get out of this? There are many stories these days of people who lost their financial bearings during the housing boom and the crisis that followed, but my story is a bit different from most. I’m a financial adviser. I get paid to help people make smart financial choices, and I speak and write about personal finance issues for this publication and others. My first book comes out in January, “The Behavior Gap: Simple Ways to Stop Doing Dumb Things With Money” (Portfolio, a Penguin imprint). The thing that few people know, though, is that I learned a lot of this from experience. I made a bunch of mistakes, the very same ones that I now go around warning people to avoid. So this is the story of how I lost my home, the profound ethical questions that arose along the way, and what my wife and I learned from the mistakes that led us to that point. It made me better at what I do, but it wasn’t much fun getting there. Like most financial stories, this one is personal. It starts with me getting into the financial services industry more or less by accident. I answered an ad in 1995 that I thought was for a job related to “security” (as in security guard) but was in fact related to “securities.” That’s how little I knew about the stock market. A few months later I found myself working a phone at a Fidelity Investments call center. Things went well, and by 1999 I was a Merrill Lynch financial adviser and a certified financial planner. By then, we also owned a house in Salt Lake City. We’d bought it two years earlier, with a $25,000 down payment. A few years later, an opportunity arose to form a partnership with a successful Merrill adviser in Las Vegas. The place was on our top 10 list of never-move-to cities because we had always associated it with the Strip. But Cori and I were looking for an opportunity to have an experience somewhere else, and we met some great people when we visited the city. I took the job, and we moved down there. That was May 2003. Housing prices were already crazy, so we rented. But our neighborhood had zero character and lots of cookie-cutter houses. Within a few weeks, we were looking for a place to buy. I felt we could afford around $350,000. We called a real estate agent named Mitch, who had signs on all the bus stops: Talk to Mitch! He picked us up in a gold Jaguar, and suddenly we were looking at houses that listed at $500,000 or more. It felt a little crazy to be shopping for houses that cost half a million dollars, but my income was growing rapidly. Everywhere I looked, people were being rewarded for buying as much house as they could possibly afford, and then some. There was this excitement in the air, almost like static. I started to think that if I didn’t buy a house right then, I would never be able to afford one. At moments during our house hunt, I felt in my gut that something wasn’t right. We’d go to open houses for $400,000 homes and see lines of couples in their late 20s — younger than we were — waiting to get inside. I kept wondering where all the money was coming from. How did all these people make so much? But prices just kept rising, and when people kept buying, that made it seem safer. I knew from my work as a financial adviser that following the crowd could be costly. But like everyone else, I felt safer in a crowd. We didn’t find anything we liked with Mitch, but one day in September 2003 Cori spotted a for-sale-by-owner sign in a really nice neighborhood. We ended up buying the house and paid the asking price of $575,000. (When we tried to negotiate on price, the owners were amused; it just wasn’t that kind of market.) We borrowed 100 percent of the purchase price. In fact, I was told I could borrow even more if I wanted. I had perfect credit and a solid income that was growing. But even so, when the lender approved us at 100 percent, it was more than I had expected. I remember thinking something like “Wow. I guess if they’re willing to lend it to us it must be O.K.” I should have known better. No matter how well things are going, borrowing 100 percent of the purchase price of a home is not a good idea. I shouldn’t have relied on someone else to make that calculation, let alone the guy who was making money putting me in the loan. I was a financial adviser, and I never sat down to figure out what it would take to make this work. I just wanted to believe him. And it was so easy to believe he had been right, at least at first. We loved living there. The children went to an awesome public school, and we made some great friends. I could ride my bike to Red Rocks, the wilderness area outside of town. And for a time, the real estate market erased any doubt I may have had. It just kept going up. One evening in 2006 comes to mind. My sister-in-law was thinking of moving to Las Vegas, and a real estate agent told me about an open house for a new Toll Brothers community. This wasn’t a come-by-for-cookies type of open house; it was held at a Las Vegas hotel ballroom. I arrived to find a line that led down a flight of stairs and out of the front door. Before I got to the front of the line, they stopped admitting people. Then people rushed the door, like it was a rock concert. The market’s continued strength meant we could borrow even more. It was easy. In late 2004, a year after buying the house, we refinanced our mortgage with World Savings Bank, which later ended up in the hands of Wells Fargo, using one of the pick-a-payment loans that let you choose your own payment each month. We picked the lowest possible payment, the one that added to our balance each month instead of subtracting from it. And we added a line of credit with Wells Fargo. The extra borrowing power was important, because while my income was growing rapidly it wasn’t enough to support all our expenses. Around that time, I left Merrill Lynch to become an independent financial adviser, so it was easy enough to convince ourselves that we were borrowing to pay for the start-up costs. There was some truth to that, but we were also borrowing against the house to finance our lifestyle. The line between business expenses and personal ones is sometimes hard to draw when you run your own business, and during those heady times it seemed even harder. But in hindsight it is clear that we were spending more than we should have on things like recreational gear and family trips for ourselves and our four children. It was extravagant, but it seemed modest compared to what some of our neighbors were doing. Our house was the smallest model in the neighborhood (though at 3,500 square feet it was hardly tiny), and we drove a Chevy and a VW. Cori and I and some of our friends had a lot of conversations comparing our spending habits to those around us. How can so-and-so afford a boat? How are people buying new trucks and four-wheelers and 5,000-square-foot homes? Do they know something we don’t know? At times, it seemed as if maybe they did. I knew a builder of custom homes who urged me to buy one of his houses for close to $2 million. I told him there were at least a million reasons why I couldn’t do that. He looked at me like I just didn’t get it. He assured me the house was appraised for $200,000 more than the asking price, and that after I lived there I could take out a line of credit to live on while the house went up even further. The crazy thing is, he was right. The place eventually sold for more than $3 million. When I heard that, I felt a little silly that we hadn’t taken that risk. As for our spending, we told each other that we’d catch up later, as my income and the value of our home continued to rise. As late as February 2006, a comparable home in our neighborhood sold for $998,000. We made the classic mistake of projecting recent trends — even extreme ones — into the future. But slowly — and then increasingly — we began to have a different kind of conversation, “When are we going to stop and just get on top of this?” The solution was always making more money, not cutting back. The fact is, it’s much easier to set a goal of making more money in the future than it is to buckle down and cut back today. We never really worried that things would go to pieces the way they ultimately did. But then came the collapse in the stock market. I had clients calling in tears and breaking down in my office. People who had never worried about their portfolios were calling me from their vacations. It was like talking people in off a ledge virtually every day, maybe three times a day, for maybe 90 days in a row. The range of potential outcomes had gotten so broad in people’s minds that it now included the end of the world. What they wanted and needed more than anything was reassurance that things would be O.K. and that they should stick with the investment plans we had created together. Providing that reassurance had been my job for 10 years or more, but this was the first time that I really wondered if my advice was right. It was my job to assist them, but I found it incredibly stressful. It didn’t help that we were in increasingly dire straits ourselves. My income fell about 20 percent because my take-home pay depended on the amount of money I managed. At the same time, our cost for health insurance and property taxes kept increasing, and the payment on our mortgage reset higher as well. By then, housing prices in Las Vegas were falling quickly, and the bank had cut off our home equity line of credit. We quickly got rid of a car and stopped taking trips. I moved into a smaller workspace and cut back on my administrative and marketing costs. Even so, we found ourselves using credit cards as emergency stopgaps. Then, the sickness set in. The pain would start in my stomach, and then I’d spend six hours vomiting. It happened once, then three months later it happened again, then one month later it happened yet again. Eventually, it was happening every couple of weeks. The doctors couldn’t find a physical cause. Right around that time, it became clear that we might need to get back to Utah, where 90 percent of my (still nervous) clients lived. We spent the summer of 2009 living in my in-laws’ basement in Salt Lake City, while I tried to stabilize my financial planning business. By that fall, I was convinced we had to move back permanently to save the business. But that meant we faced the question of what to do about the house. By then, we owed over $200,000 more than our original loan balance. Borrowing that much had seemed to make sense when the value of the home was still rising substantially every year, taking our net worth higher with it. But at that point, there was no way we could sell the home for anywhere near what we owed. Some of my friends were already doing short sales, where the bank agrees to let you sell the house for less than your loan balance. I was also aware you had to be three months behind in your payments before the bank would talk to you about the possibility. At first, I dismissed the idea of a short sale. Late that summer, I sat down with a really close friend in Las Vegas, someone I looked up to. He cut to the heart of the matter right away: Why, he wanted to know, were we still making the payments? Because I have a moral obligation, I said. You pay your debts. He proceeded to explain that I didn’t have a moral obligation to the bank. I had a moral obligation to my family. I had a contractual obligation to the bank, along with a clear moral obligation to be honest in my dealings. What he was asking was this: Which is more important? Your contractual obligation to the bank or your obligation to your family to preserve your ability to make a living? I had never thought of it that way. But it made sense. I summed it up to myself like this: I have a contractual obligation to the bank (as well as a moral obligation not to skirt the consequences of breaking it: losing my house and wrecking my credit score). But my moral obligation to my family trumps the contractual obligation to the bank. Cori and I thought about this for months, but we finally decided to let the house go and stop making payments so we could pursue a mortgage modification or a short sale. The fact was, we didn’t have a choice. We simply couldn’t afford it. I remained troubled by the ethical implications of what I was doing, but I soon started seeing some of my friend’s arguments echoed in the work of Brent T. White, a law professor at the University of Arizona. He and others were arguing that homeowners should act more like companies — taking into account legal and economic reasons for stopping a regular payment rather than “perceived moral obligations.” That was reassuring in the dead of night while I sat in front of the computer trying to make sense of the world financial markets and my own personal situation. I remember being relieved at discovering a way to frame my decision. But we didn’t know what would happen in the harsh light of day, and we were scared to death. Would we be kicked out of our house? What would the neighbors think? What would the children think? We worried about the stress on our relationship and even the survival of our marriage. I felt like a complete failure. We looked into a mortgage modification, thinking it might let us keep the house and rent it out after we moved. But the offer from Wells Fargo, which owned our loans by then, was too modest. That meant we could either walk away from the house or work with the bank to do an orderly short sale. A bank representative came to the house and met with us. He was such a nice guy. Cori had treated it like an open house, and the place was spotless. The guy said he’d never met anyone more qualified for their short sale program. Somehow, even in that horrid market, we sold the home for $531,000. That was in late August 2010. In exchange, the lender released us from both our first and second mortgages. Today, Zillow estimates the home’s value at $505,000. We were pretty low when we packed up to leave. We hadn’t told anyone about the short sale — not family and only one or two friends. But we sensed that people knew anyway. We borrowed a truck from a friend who owns a wood mill to move our belongings. Back in Utah, we found a house to rent— much to my relief and after months of being terrified that we’d never be able to find a landlord willing to take a chance on us. I had to tell the owner what had happened. He looked at our personal references and let us lease the house anyway. We love where we live now. Still, there are consequences. We lost our home. It’s not clear when we’ll be in a position to become homeowners again. But the worst thing was my sense of complete failure and powerlessness when I realized that things were out of control and that it was my fault. These days, there is still a sense of genuine regret that I screwed up and hurt myself and other people. I still worry about what others think of my behavior, which is one reason I haven’t shared this story with many people until recently. We have a friend who is under water on his mortgage even though he has lived within his means and done everything right. He’s sticking with his mortgage for as long as he can. Someone recently asked me what I’d say to people like him. I guess I’m saying it now. As I was writing this article, I pulled behind a truck with a bumper sticker, “Honk if I’m paying your mortgage.” I thought about that for a while. I guess one of the ideas behind that bumper sticker is that people like Cori and me who couldn’t afford to pay off our mortgages are to blame for the financial crisis and the bank bailouts that followed. This isn’t the place to explain the causes of the economic slump, and I’m not the guy to do it. Still, the questions linger. As I ponder all this — and I think about it a lot — it occurs to me that we are a nation of risk-takers. Some of us were overoptimistic; some were ignorant; some were deluded; some were greedy; some just had bad timing. We erred to different degrees. Our experiences varied; each story is different. Now you know mine. The experience has changed just about everything about how I do financial planning and the advice I give in public. For one thing, I am less quick to judge other people’s financial behavior. I’m also more inclined to take into account personal factors that determine how people behave around money. I have a friend who is going through a tough time financially. He has a high income, but is burdened by debt from a few real estate deals that went south. He continues to take fairly expensive ski trips. That would seem irresponsible in his situation, and maybe they are. But I now realize that it is not that simple. Maybe those trips are keeping the guy alive, or saving his marriage or keeping him sane enough to work. I have another good friend who borrowed against his house to pay for a therapist. Unless you were walking in his shoes you might think that was stupid, but it saved his life and changed his career. It ended up being one of the best investments he ever made. The process of making financial decisions is about more than building a spreadsheet to calculate the answer, because life rarely fits cleanly into a spreadsheet. Our decisions often appear irrational until we understand the whole story. I’ve also learned some things about risk. Risk is an arbitrary concept, until you experience it. And I’ve noticed myself focusing more on the consequences of something going wrong than just the probability of that happening. As a result, I tend to urge my clients to make decisions that err on the side of caution. As for Cori and me, things are much better now. Moving back to Utah clearly was the right choice. The business is doing well, and we’ve managed to pay down most of our debt. It would be easy to say that we’ve learned our lesson, that we’ll never screw up again. But it’s not that simple. At times I’m absolutely clear about what makes sense. Then ordinary life choices arise, and things can get cloudy. Should our children play sports that cost money? What kind of family vacation is O.K.? How much is enough? We’re still working on that last one. But we are asking the question, repeatedly. And the temptation to overspend, to go for it, to tell ourselves that things will work out in the long run, is tempered by a feeling that something big is at stake. All I have to do to remind myself of that is to remember what it felt like to stand outside the kitchen window two years ago, looking in on my life, and thinking I might not get it back.

Interesting action

We selling off all gain this morning in just one hour but most importantly do we hold 1222 on the S&P or we test that 1218 again

GOLD

Gold getting sold hard today as well- Oh well!

WYNN Update

Mentioned that WYNN looked like a short below $125 a couple days ago, now trading @ $118. Good shot this one goes below $100 on continued weakness

Apple update

Not looking too good for Apple here.

APPLE

Selling hard two days in a row

Bingo

So overnight we hit 1218.25 as the low as mentioned yesterday that should be the next level of support. The problem with the markets now a days is that 80% of trade are done by computer quants and seem like they are doing their technical plays in the overnight market and that makes it harder for the live traders in the regular hours anything but gamble with news. Quants writer are smart and are taking full advantage of technical whether it be overnight or regular day time hours. Now for today 1250 should be strong resistance but if we can got above 1252 it would be considered bullish. I am on the fence here since the action overnight is what I was expecting today.

Nasdaq

Can't believe the selling the nasdaq put on today but when you got Apple down $10 what do you expect.

Seling Hard here

we lost 1235 fast - 1226 here but next support is 1218

BINGO

He is the 1235, now what do we do

Searching for lower prices

Got a small bounce but loks like the market wants 1235.. Huge question is if we hold there for we head lower. Markets again negative for the year.

Cracked

Market getting cracked here- Amazing how sentiment has changed within a couple of hours. Market is fragile real fragile maybe it will be a buying opportunity but new lows after first hour is not good and we would need to get new days high after lunch to negate this selling

News Driven

All News Driven here- after yesterday's bullish close we are down over 30 S&P points before the open. I have to definitely echo the sentiment of many managers this is the most difficult market I have seen ever, I guess for once I agree with the talking heads like Cramer etc . When will this phase be over who knows

NUAN and BIIB

Trading well here i still like them providing we trade modestly higher, I do expect these two to make new highs

1281

looking for 1281 area on the S&P soon. still looking for 1301 if we go higher mentioned last week

New again

just moved 8 points in the S&P on news out of Euro that Berl will resign- All news generated market here

Oil

WOW- between oil and the Euro the market is just in crazy mode. Technically aren't working as everything is reacting to the European concerns. Lots of funds are going under to my understanding with the ill faith of MF Global fallout. They are not reporting that they are changing margin requirement and so forth and that might be the reason Oil is heading higher, lots of strange dynamics going on here but I believe why it is not on the television is they dont want to scare the mom and pops out of an already fragile confidence towards the markets.

GOLD

Gold is looking like it is gaining momentum- I have a projection of new highs and target of 2150 on Gold in the next 6 months. We will soon see

Poverty In America increases

In September, the government reported that a record 46.6 million Americans were living in poverty. But a new report released Monday by the Census Bureau using a more sophisticated method to measure poverty rates has found that the true figure is even higher: 49.1 million, or 16 percent of all Americans. It's not just the raw number that's different under the new measure--it's also the breakdown of who's poor and who's not. Using the new Census methods, the share of the poor who are over 65 jumps from 7.6 percent to 12.7 percent. And the share who are under 18 falls from 36.1 percent to 27.7 percent. In other words, kids aren't doing quite as badly as we thought, the report suggests, while seniors are doing far worse. What accounts for the changes? The Census Bureau's traditional poverty measure has changed little since it was first developed in 1963. The old poverty calculus has several important shortcomings: It doesn't take into account the impact of non-cash government benefits such as food stamps and tax credits; it doesn't include expenses like out-of-pocket medical costs; and it doesn't factor in varying costs of living across the country. The new method, known as the Supplemental Poverty Measure, fixes these problems. "The new measure is going to give us a better sense of the extent of poverty, and who's poor, and the effect of government programs," Jane Waldfogel, an expert on poverty at the Columbia University School of Social Work, told Yahoo News. "So in all those respects, it's vastly superior." Take the issue of out-of-pocket medical expenses. Had they not been factored in, the report states, the poverty rate for seniors would be 8.6 percent. Under the new measure, it's 15.9 percent. "So that one element alone is huge," said Waldfogel. The new findings also demonstrate the value of government programs in keeping Americans out of poverty, Waldfogel said--just as Congress is mulling cuts to some of them. Were it not for the Earned Income Tax Credit, for example, the new measure shows that the child poverty rate would be 22 percent; without food stamps, the rate of child poverty would be 21 percent. With both those programs factored in, it's 18 percent. "The good news here is that we do have a social safety that is designed to reduce poverty among families with children," said Waldfogel. The new method also will likely somewhat reduce the salience of the "poverty line" as the be-all and end-all way of measuring poverty. Because Census' revised measure factors in more expenses, it raises that line for a family of four to $24,343 from $22,350. But under the new system, that threshold isn't hard and fast--it varies depending on where you live, and on whether you own your home and therefore aren't paying rent, among other factors.

WYNN

LOOKS weak would set up a short below $125 area

WOW

WHAT A MESS- JEFFERIES now halted and 30 minutes in we have sold off 200 points and 20 S&P points. this is crazy

WoW- WILD

40 POINT move overnight on the S&P, this is just crazy, news all over in the Euro zone. To be in here is just guessing as it is all being new driven here.

Two stocks I like

BIIB and NUAN

FOMC

FOMC meeting today so trading volume should be light coupled with the MF Global confusion we might see the volume extremely light this weak. Remember we have a tendency to trade higher in the FOMC announcement so this early strength should be the catalyst of this. I don't expect much in the markets today. All eyes are on Italy and the Euro

CRAZY

See why you dont jump into the markets during this time. Everyone thinking last two week we are safe and everyone on television saying we are in bull mode but we are down 70 S&P point since sunday night. Got to just keep it light or stay out.