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auto industry. bloomberg news reports more than 27 percent of loans for new vehicles were given to buyers with spotty credit. greg mcbride has his eyes on the industry for us this morning. good morning greg. > >good morning angie. > >is the increase in subprime lending to car buyers becoming problematic? > >no, i don't think it's problematic. keep in mind, we have a lot of pent up demand. there are a lot of people that have put off buying a car for a few years either because they couldn't get credit or financially they just weren't in a position to do so. now with the economy on better footing than we've seen in the past couple of years and better credit availability i think you're seeing a lot of those sales happen particularly for people that have weaker credit profiles and would have had difficulty over the past few years. > >do people who have poor credit wind up paying more for the cars even though they are able to get the loans? > >oh, sure. you're going to pay a higher interest rate if you have no credit or if you have weak credit. the good news is for people with strong credit, rates have never been lower. but make no mistake, if you have weak cred

we are still trying to go back to the broken auto were used prior to the crisis at cheap credit and aret a sustainable. >> inebriate the question, raised concerns about whether in fact monetary policy is discouraging people. >> i think it is. we had significant distortions in the market. i think it is true and it makes me very conservative with my own personal finances. i think if you are a corporate ceo and look at your share price, you're saying this is nice. how much of that is me in the real value of my company quack that makes you conservative. it makes you uncertain. you don't want to make investments. you want to sit on your piles of cash and lots of people are doing? >> talking us to look in the poll, you really feel the uncertainty about what people, to the extent they have money, what do they do if it? you know, one of the things that's pretty striking, one of the sharpest of urgencies in full is those without college degrees, does can be very leery of the stock market, which has as you pointed out comeback in favor of her year thousand. should we be encouraging tax policy or