i'm mona rabi. i'm a general assignment reporter so bear with me if the question is a little too broad. if i were a member of the middle class fallsing out of the middle class, what over the next 6 months, election aside, would i have to be worried about the most? what one or two critical pessimistic forecast you see for someone like that? if two years ago, it was my home is losing most of its value. if last year, it was realizing that as someone as the unemployed, my unemployment is going into month 12, month 14, 18 months unemployment. is there a way for people like you to sort of know or see over the next six months what would be the next one or two crisis moments for that category of person? working poor? middle class? your average american? >> yeah, i think one of them is student loan interest rates. that's the one sort of real, big, open question is can congress figure out a way to not have the interest rate on government subsidized student loans double, which it would, i think, the end of thi