helane, hal almost half of workg age households have no retirement at all. many are saving insufficiently to be able to support themselves in retirement. does the myra at least chip away at this huge problem? >> it's a very, very small step that isn't even going to come close to solving this issue. the issue is not just that americans lack the ways to save, but that they can't afford to save. what we've been dealing with for the past several decades are salaries that are stagnating and falling for most americans except for the top 10% while at the same time the cost of everything from education to healthcare and housing has gone up at rates well beyond that of inflation for the same period of time. so as a result people can't afford to put the money aside. myra might help a little bit in getting people who are out of the habit to put some money in, but it's not going to solve the essential problem, which is they can't keep the money in their 401k or any retirement saving vehicle. >> using the phrase "out of the habit" which caught my ear. could this be a kic