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So they have borrowed and bor w borrowed and overspent just to survive. >> what i say to those people is if you have massive amounts of weight to lose, let's mack a realistic goal. if this happened over a period of years, don't think you're going to pay it off in six months. the first thing we want to do is go back to the math, figure out how much monthly you can free up to put towards debt and then figure out how long it is going to take and make the goal realistic. if it is going to be a couple of years -- >> that's the hard part. folks trying to figure out how do i calculate, how do i do th...

So sometimes the trail giveth and sometimes the trail taketh away, candy. >> it does, but you always keep trying. jim, one thing that i think did strike me, first part that we heard here, was newt gingrich mentioning that 41% that haven't made up their minds yet. >> that's right. that's the poll number he likes, candy, the 41% who haven't made up their minds. that means he still has a shot at this. let's remind our viewers, who may be tuning in now, that this des moines register poll that everybody is making a big deal out of it, let's mack a big deal out of it, that's fine, but folks are talk...