the frs time in a while. isn't this good? shouldn't we be saving? >> well, let me answer that. >> please do. >> it's true that people were over consuming, and consuming with assets that were not really real. their house values were higher than they should have been, or were fundamentally correct, so they were over consuming. now we have gone too far in the other direction, and people are saving because they have a debt, and principally mortgage that they'll never be able to pay, and it's like shackles around their arms, and we need to get back to a level which we have adequate savings but not too much savings. >> let's say we live in the world right now where congress will block the republican party -- i am pointing at michael as if he were mitch mcconnell, and let's live in the world in which republicans are going to block all the stimulative measures that we think would help with job