break the assumption that all investment must take place out of savings and you begin to look at what moultonsuggested which was financing new growth out of credit, out of bank read it, that is an exchange that, which would be repayable on a future savings. >> so the relationship between savings, consumption and ownership? >> i should have stated at the outset that you would not want to implement the tax proposal i described in the current climate of 9.1% unemployment. we have far too little spending going on and that is why we have such high unemployment. i would recommend that congress, not today, there is no time today but tomorrow if they are in session, pass a steep progressive consumption tax into law, schedule it for gradual phase and once the economy is back to 6.5% unemployment. that way we kill two birds with one stone. we would provide every wealthy american who is thinking vaguely about someday building an addition onto his mansion to get on the phone with his architect and get that program going right away in order to get it done before the tax comes into effect so hundreds of bi