and if such a stark contrast with the world war ii generati generation, didn't carry balances on the credit cards, and now between different habits and the recent financial hit, they are very unprepared. so to me that is concerning because it -- i don't want to face it because i might need it. and i wondered from your banking case if you have seen a pretty strong change in an area? >> a good question. my generation is way under safe. and also the savings, israel event. relatively small percentage of people safe. notches income, people just self-discipline have saved for their retirement. then there's a lot of people out the other end of the spectrum at basically haven't saved. once they get misled in a way because they thought their house was safe, right? when you create these bubbles you mislead and a lot of harm and damage to consumers. they thought their house was savings and, of course, the house is may be worth less than they owe. they haven't developed the self-discipline for savings. so i think that is a real economic challenge. and then, of course, what's bizarre is right now