really are. and then, finally, you have the opportunity costs, of course, because all the money that was spent on one thing wasn't spent on another. the fact is, 9/11 affected this country, it affected it emotionally, psychologically, and physically, and deeply financially. >> you know, richard, those last words you used, opportunity costs. i don't want to start getting into an economics class here, but explain to our viewers what that means. an economist would say an opportunity cost is what you don't get to spend the money on because you have to spend it on something else. explain what you mean. >> it's really rather simple. if you go into a shop and buy product "a," you didn't buy product "b." if you choose to go to the theater, you haven't gone to the cinema. if you choose to go one thing, there is an opportunity cost, a loss, for not having done something else. now, in this case, you're talking about the billions and