expensesle don't have that are higher than the revenues. they have typically a cash flow issue.ical emergency happens, there is losing jobs temporarily. what i think we need to be able to do is use data and information to get people past those one time hurdles. >> the solution is credit, not savings? >> a combination of both. what you can use is the ability to show people to do savings. >> of want to ask you about the tragic event in california and your thoughts about it from a personal point of view and someone who lived there, and your thoughts from a public policy point of view. >> from a personal point of view i have been in that building. i have been many times to san bernardino. it is a community under stress in some anyways. this is an unspeakable tragedy. i cannot imagine the stress the community is going through now. as they contemplate their dead and wounded, and their first responders, it appears more and more likely a terrorist in their midst. >> based on what we note you have thoughts on things related to public policy that you can take a look at? >> i do think it w