over here is my fancy algebra of rbc capital markets tom porcelli -- of tom porcelli's genius. --.d do monetary policy if the estimate on national savings is so off the mark? thank you for the plug. we have said this time and again. you and i have spoken about this. we were worried about the decline we have seen in the last couple of years. thanks to the magic of government provisions that has totally faded away, instead of having this two percentage point decline in the savings rate over the last couple of years, it has literally done nothing but move sideways. we have added by the hundred billion dollars plus -- $500 billion plus. tom: this is all the little pieces of the pie, michael mckee, that added up to greater savings and wealth. have you ever seen a miss like that on the income of americans? >> i don't think i have, tom, at least not that i can remember. it does suggest that we have more money to spend and maybe we will keep spending it. they have to work with it. now. revised, but they can only work with the numbers they have right in front of them. this is interesting ne