>> yeah, certainly i think it's a larger macroeconomic issue people are talking about, larl this time. it is an important topic facing young people. my generation, generation x, millennials, in terms of whether or not they are able to get married and can afford it. like you said, those student loans, there's all these debts. with the sort of huge income and equality and the lels of poverty that we have seen that have been increasing in this country in the 70s is an ongoing conversation couples are having. if you are a single mother, it probably doesn't make sense if you are making un$25,000 a year from a tax purpose to parry someone else who pays $25,000 a year, even though that gives families stability and can help them get out of poverty. >> should cupid's arrow borrow or stay from the heart? >> gary, they all have trouble with debt. economies collapse from it. america was built on debt and continues to excel on it. as far as individuals, divorce rates fell after the great recession because people have more debts than assets. and have a debt pipe people with assets are more likely.