of course another former congresswoman from california, jane harman.americans able to handle a $400 surprise financial hit? that's coming up, balance of bloomberg. ♪ for financial insights from merrill. this gentleman? he's learning how carbon-neutral investments could energize his portfolio. and with advice from their merrill advisor, they've decided that the future is women-led startups. she's got a million followers, but she's following trends in next-gen tech. personalized advice so impressive, your money never stops working for you, with merrill. a bank of america company. >> this is balance of power on tv most americans don't have the financial resources to cover us a price expense of $400 without taking on debt according to a survey. of chief economist joins us not to discuss. bloomberg took part in the survey. thank you for being with us. when we talk about the percentage of people who couldn't afford to pay it all walk us through the demographics. who does that group represent? >> the demographics are particularly important because we know tha