are peopleaying, "well, you know what, this is money that might be wasted?" what are you findingpen terms of hole are spending this money? they're using it for basic needs, bacessities? >> yeah, mike, what's crazy is that they spend money the way m you and i speey, because, like i tell people all the time, these are people like you and bome, they're our nei, they're us. so they're spending money on poilities, on necessities, on delayed medical tments, on dentures, tutoring for their kids, paying off credit card debt and maybe splurging a littleit, too, and enjoying life, spending it, when they could travel, on a trip for take time off and enjoy life. and i thk that's also been-- not a surprise to me, but it's been surprising for a lot of people that we can trust people who are struggling economically with money, just like we trust billionaires with money, that folks with money aren't poor most of the time because they don'know how to manage money. they're struggling economically because they don't have money to manage, because of structural issues. or a high