Investors should be cautious of the fact that we're in the middle of an overvaluation correction and that we have further to go on interest rates and the Fed sees inflation as a problem and they plan on handling it. And some people are now saying they may take stronger action at the next meeting. So I think in that case it's a good yet idea to sit back and let the overvaluations get taken care of and let the Fed go through a couple of rate increasing before you get back into the market. Tom Gallagher