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Experiment has been bad. it will be wait on the housing market in the future as they sell off the nest egg for the retirement pension problem, we guarantee people too much. in san francisco, they guarantee 3.5% return. professional managers who did it couldn't come across with it. this is a democracy. we gave the unions that. we shouldn't have. all you need to do is lower expectation and the pensions work fine. professional managers do a better job than individuals. >> david: victoria, all over the country, states are unprepared to deal with the pension problem. wouldn't privatize them be the ...

Complicated stuff -- megyn: because i saw something about pensions they were worried about. >> yes. because with paying out so much more than we're bringing in -- megyn: i saw something about pension bees and health care subsidies, and i thought, wow, they're really getting into the weeds. >> they're looking at our overall financial situation and saying you've got a pension problem. you've got a health care problem. you're running up a trillion dollars' worth of debt every year, you can't go on like this. this ratio is we've got an economy in america, about $14 trillion. that's our debt. megyn...