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That graduated to see what they owed. i saw numbers as high@as $80,000. this is a drain on our future. that starts inequality, but cause is inequality to be -- >> its also the burden of that because you cant discharge even bankruptcy. >> exactly. >> but theres this broader question about indebtedness of the american consumer, right? which is one of the things -- one of the reasons that you have this reduced consumption and slow growth in the wake of the financial crisis, right, is that you have ...