with me no, rick edelman.ve you just one of these data points that's out there, people paying down debt to the consternation, really, of economists who want them to go out and spend and propel the economy further. are you seeing this in your own business? >> not in ours, but it's because our clients have their act together already. they understand the uncertainty, they understand the political question marks, they are fearful of terrorism like everybody else. but, you know what? they're not letting it stop them from pa doing what -- from doing what they know they need to do. gerri: you see that number, people paying down household debt, getting that under control because that was one of the problems before the great recession. credit card debt, mortgage debt, you name it. and now we're starting to finally see household values pop back up, right? real estate values are higher. stock values are lower, so it's sort of a confusing picture out there. and like you, i truly believe that consumers have yet to really g