talking about is if we bring back all of this growth and we help support the economy, the other factor we haven't considered is will we start having to raise interest rates and how will that affect the consumer. >> right. everybody's been enjoying them. >> low interest rate, easy money. but you also haven't had a good return on your savings account. let's not rush to judgment. what i like is they put out some guide posts. it's going to take us through the end of the year but i would say to folks, let's take the time to think about, could dividends rise, could it be better for your retirement savings? might the implications for interest rates be something they have to factor in before they say these are the levels at which we're going to change the tax brackets? there's all kinds of things right now that they have to jockey and negotiate on. >> sure. >> and so i give them credit for putting out what they've put out thus far. >> right.