joe staton joins us now. i think we are unsettled about everything we hear in the news.‘s connected to a lot of issues overall. people are concerned about having enough money to live right and paid the bills. work we do looking at concerns, having enough cash to meet your monthly expenses is number one. brexit is the number three concern. the key thing in the uk, people are struggling to make ends meet. we are not saving any money. this is worrying against the backdrop of other good news. we have high employment, strong wage growth, low inflation, low interest rates. normally one would expect the personal financial situation over the next 12 months to look a little rosier than it does at the moment. how does this read and compare with, say, the financial crisis in 2008? well, we saw some very big drops them. the overall index at the moment is —14, sojust south them. the overall index at the moment is —14, so just south of positive. july 2008 we saw a drop to -39. the positive. july 2008 we saw a drop to —39. the last time it was really positive was in the mid—19 70s, so