or keep up with the joneses,ate vaet. it's the hyperconsumerism. can take your money, or provide the least amount of service, or charge the most for it, that's okay, as well. so it's this parallel path of people, number one, overspending, hyperconsumerism, and number two, getting less value for what they spend things on. >> charles has a question for you. >> hi, hill. >> hey, charles. >> first i want to take this moment to put up there, now three young black men on tv at one time. the world might explode. but, beyond that, i mean, what we have, particularly coming out of this recession, is the people are hurting because they had most of their wealth built into their houses, and the housing market itself has crumbled. >> yes. >> and so people are now trying to dig out of that, and so you see some good signs coming out of that, which is that savings rates are up, people are -- delinquency rates involving credit are going down. so people are doing some of the right things, but how do people who had been, you know, kind of teetering on doing the right