as ilyce said they're making less than a year ago. not enough to get by for a lot of people. >> i feel like americans have this sense that both the job market and credit markets are saying to them we're just not into that. literally. and if you are able to get a job right now, what i'm saying, the big trend is perma-lancing. you get a job but without any benefits it's the same full-time hours and you're willing to do it because it's the only thing you can do. >> often working for less because employers can get you for less. >> on top of that you're working for less and the safety gap that you used to be able to rely on for better or worse which was credit you no longer have access to because banks don't want to lend to people who need money. >> wolf blitzer talking about the fact he can get credit but the average person can't get it and he can get it extremely cheaply. there's a disconnect between main street and the people that don't need as much help. what do you think when it comes to credit card use? interesting, dropped 31% from