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Graduate 120,000 in 350,000 in berths. the difference between that, we borrow, and the 20 ways to qualify for 100, 200,000 medicare that you didn't pay in, that scares me. >> brenda: susan. >> you know, a lot of these problems can really be positioned as win-win. so, for instance, weatherizing, getting-- >> right. >> no, they are. if you're getting to weatherize your house and improve the energy efficiency to your home, you spend less money and helps the country because we're using less energy. >> why is that a government program? >> can't necessarily afford it on their own. a lot of people ha...

Noti for example, i qualified for family programs and assist the individual to determine the number and spacing of their children. now, i didn't really think that's the government's job. i really, i don't think i need any more assistance in that area. but the bigger question is, brenda, this is all basically free money. as you expand the trough, as you expand the access to people, people are going to flock to it. what does that do? it makes us beholden to government. the more beholden to government more obama on the left and government wants to raise taxes to feed that trough. >> brenda: i sco...

And that's what i'm afraid of. it's not the whole economy being scrooged, although i love the teasers you guys make. will the top 20% of the people, if they start to pull back, it has a three-time effect over the overall economy. >> brenda: news alert, toby likes teases. susan, what do you think about that, that it's the higher taxpayer? >> that's definitely a part of the equation here. one of the other interesting facts that's happening in this season versus last season is that the retailers are not discounting as much as they did last year. they all really went hard on the sales very early i...

Day of the year. >> brenda: well, a lot of retailers are saving the big discounts until right at christmas and after. if consumers know that, maybe they're waiting, too? >> that's right. a lot of us are procrastinators and haven't started our shopping and a ways to go. you retail holiday season ends on january 31st, not december 31st or december 25th. retailers close their year end books at the end of january and so there's still time, we're going to get a deal on the fiscal cliff, i'm sure of it and there's time for retailers to have great sales for for consumers to go out there and buy stuff...

To be actually for next year, not this year. if we look at the estimates of the national retail federation, they say if taxes go up, that's going to kill retail sales for the first half of next year and that's the concern. when the average consumer gets the pay stub the first half of the year, they're going to hit the roof and see how much more money they're paying to the government and how much less in their wallet to spend at that store they love so much. so the real-- this is a precursor to the real nasty stuff that happens after january 1st if we don't get a deal that keeps taxes low forev...