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going int banks or doing more on-line banking, atm, the bottom line if a person, works for a bank, theyeedemselves, as part of their own career pns is technology replacing my job any time soon, the bottom line, don't think that the economy is suffering because of the job cuts. changes are occurring. we want to make sure that people are ahead of this. planning for their personal economy. there is important right now. >> quickly, to that points, do you think had note been billions in -- not been for billions in finds the layfs would be happening. >> i think that the fines are a big piece of it but we're seeing changes and trend in the much am. people need to be aware of that. neil: next up, this. l day on this, you have been hearing a lot about your retirement. tonight look at how big a role wall street should play if your retirement. the president was bashing how muchompanies were making, you say it has their stocks soaring a lot of 401(k)s are soaring too. >> las year, one year ago, the average01(k) balance was $10 $100 7,000, right now 1 40,000. when you start talking about bashing wall s