so it's a miniprogram. it's a anyone -- ministep.t doesn't change a big picture of a lot of things. >> mark, let's talk about that big picture. what we know is a 53% of americans don't have enough savings for retirement. we know it's a problem. we know it's an issue. is this program going fill that gap? >> i don't really see how the program will fill the gap. i mean, right now the average american has a regular ira, a roth ira there are roth 401(k) accounts available since 2006. so there are already many options. nice to that, when you take a look at the reported interest rate they were talking about 1.74%. that's barely above inflation. even if put are moneying in to the account how far is it going to get them? i do want to thank the president for starting this conversation though. gerri: let me tell you. the conversation has been started many times, and goes on and on and on. if you ask me, i've been covering it a long time. david, to you, you know, mark brought us something interesting, which is that, you know, there are a lot of