let's bring in chetan ahya.ou just made a brave call that a lot of people disagreed with you on your you had idiots questioning you like me asking are we owing to snap back. they have capitulated particularly over the last couple of weeks. let's discuss it now. we have a 20% savings rate in the united states of america. factor that into your call for this year. chetan: we are seeing excess savings that households are building will rise to $2.1 trillion by early april, close to 10% of u.s. gdp and that is why we expect gdp to grow at 6.5%. households will spend that money and we think this is akin to a natural disaster because they are confident they will come back. you can also see data from the spending. consumers are holding back on the spending, which they can because of the constrictions of covid. as things open up, there will be a resurgence of spending and that is why we are calling for a surge in spending driving gdp to 6.5%. lisa: you have been correct, what do you say to drew ma tus'point that it is goo