we always love to have jerry webman, particularly on a friday.roduce the single best chart. this is consumption to gdp. retail spirit. a lot of people thought five years or 10 years ago, finally we get less consumption in america. we have moved up to 69%. up we go. over two thirds of our economy is consumption. is that good or bad? things we do the differently is government spending on health care flows through consumption. it looks higher than it might be based on you and me going to the barbershop or -- i guess we are never going to be department store again, but it is high. of our economy is health care. we see that through the conception number in gdp. jerry: that is one reason why the government section of gdp looks smaller. is pushed into consumption. i do not know how much of that increase you could explain by the increase in health care spending. and not just us -- tom: francine? francine: what does that mean for interest rates? when you look at fed officials coming in and saying that the markets are not pricing correctly and we should be