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I wouldn't say it is necessarily only because people don't have jobs but i think a lot of people, to john's point, which i agree with are trying to be more economical about their living situation and is a great trend to see they are trying to save and help pay down the debt earlier, rather than just spend a lifetime in debt. never getting into the right kinds of jobs and never becoming more productive members of the labor force because they are saddled with the debt. >> gary k., a couple of boys, expect them to come home? will they be boomerang kids? is that good for the economy. >> i love my ...

And that could be good. now, look could it lead to bailouts from the federal government. you're not a person and change the bankruptcy law for people and it's harder to go bankrupt now. it should be harder for cities and towns. they can raise revenues and raise taxes and don't have to throw up their hands and maybe we can't pay for this, a few years ago. >> gary k. what do you think about this? >> i think tobin and gary b, so right. all roads are going to lead to the taxpayer and the state arbitrarily changed their own laws and harrisburg couldn't file for bankruptcy and they're going to pick ...

>> i work with people who can't get health care in canada, can't get health care in england. can't even get injections nupton which can save their life and i don't want free health care because i will sell everything i own to pay for my children because this is america. >> a mother of two sick children unloading on democrat senator kay hagan in north carolina over the health care law and says it limits her choices so you can keep it. gary k. what do you make of that? >> two new words we are going to hear about on health care in the future, neil, cost effectiveness, instead of worrying about ho...

Front property. everybody would love to go to the best doctor and be the first in line, but you have to have some mechanism that controls how you distribute resources. >> but who runs it? who runs it, do you let the individual make the decision how they're treated and how their health care dollars are spent or do you put the hands of the government around that decision making and that's what that health care law does? >> the problem is-- >> yes, but the government-- >> go ahead, gary. >> the government, we're going to a government centric decision making process, you have a new guy who's runni...

Taxpayer bailout of the companies now, we're essentially paying for that subsidy that went on for decades. >> you know, gary, you're in florida and i know one of the things we've seen in florida is really the epicenter of all of this housing mess and i think you're up in the orlando area, one of the many epicenters. >> not my fault. >> not your fault. but i think no pun intended we've been mickey mousing around on the issue and using government or various back stops to delay the inevitable and you and i mentioned it before. sometimes you just have to cut the ties, deal with the pain, rather th...