>> puzo had. >> okay, so one thing that i have to ask about.e question] [inaudible question] >> i can totally understand where you are coming from. and you are absolutely right and here's the thing, savings rates are very low. they are cyclical and they actually go up in a recession so savings rates go up and down and we saw that here and it comes back down and savings rates are not back to the 2006 levels. but they are down right now to the 2004 levels. people are now spending the money that's coming in and people are spending it. the consumption is low and the thing that squares that is that they do not have jobs and they are spending what money they have and many people are unemployed and the people who have jobs, and that puts huge downward pressure on it and your employer does not have to pay you big wages. this high unemployment is hurting them and a lot of people don't have jobs and so they are spending money that they have an people don't have as much money as they did. >> question in the back the amount hello, i am a physician. my ques