kill their fellow students. >> jamie: the 15-year-old boys in juvenile detention facing charges of conspiracy to commit terrorism. >> kelly: of course you know by now we are hearing a lot about the u.s. credit downgrade from aaa to aa+. what does this mean for you? let's bring in managing director at lamco trading. how does this downgrade effect the american people? >> we are going to look at higher interest rates. one in mortgage rates, car loans, boat loans, student loans as well. it is across the board. it is going to make debt that much more expensive. it is going to take a hit on the household balance sheet, including discretionary income so everybody is going to be