ken and daria dolan are joining us from west palm beach, florida. you know their faces, this dynamic duo. good to see you sir and ma'am. these are financial analysts. you know their books. they authored six of them. they'll point us in the right direction. ken and daria, is this program for everyone? if you got a clunker, should you be going to the dealership? ken? >> it is a perfect time to get a new car. and get the credit. it is great. america is up to its eyeballs in debt, the average credit card balance is $9,000. here is a great idea. it is like tgi fridays running a promotion for burger king. let's do a promotion, let's get more people who are already offer their heads in debt in more debt by buying a car. >> no, no, no. in fairness, as we just saw -- >> has to be fair. >> someone down the road from us now, earl stewart, the fact of the matter is the people who are going in to get -- take advantage of cash for clunkers were people who, and you can verify this through edmunds.com which knows more about cars than either of us do, they were peop