almost four of every ten loans went into subprime boyer rowers -- borrowers last year.ng when you compare it to what happened few years ago. shadow banks put out 50 million loans, 189 billion they have lent out to people with credit scores below 640. the top is 850. not giving them your last dollar. >> and you get to charge them more. >> the terms are worse rates are higher. th!& xw çç the way it works. and 41% of folks during the meltdown had sub prime loans, very similar. >> are they secure tieing to the loans. >> yes. >> bundling them and selling them just like last time. >> all over again. here's the good news. sounds like this is 2008 all over again. auto loans are a smaller éqll]ñ proportion of the overall economy compared to mortgages. mortgages are huge. a car is something very different. but this!mbç,# still doesn't bode well because let's say we have a shock to# something happens to the economy. i don't know. terrorists or whatever. gas price goes to the sky all of a sudden. these folks might stop paying. that wouldn't be good for the economy. >> and in genera