the -- bums in washington. we borrowed so much because we drove the economy into a ditch. >> did you blame washington or ourselves? >> i'm if to blame washington. federal policy punishes, work, savings and marriage. and it rewards idleness, and shacking up. let me give you one example. two singles between them have up to $6,000 in deductions for their stock market losses, we all have those. if they sign a marriage certificate it gets cut in half. there are similar penalties. for middle americans there's a penalty for the way we tax social security benefits. >> as important as this subject is, i think you've been over thinking this a little but glad you came prepared. victoria, who is to blame? >> bill makes an excellent