that consumer spending was up last month and isn't that great? we really have to go behind all these numbers and take a look and really personal disposable income dropped. so what's happening is exactly what we were just talking about, where people aren't spending money. people that are comfortable are hoarding cash just like to charlie's point, like u.s. businesses are hoarding cash. >> i can end this or get close to ending it on a happy note. first of all, auto sales are up. that's a good thing. nobody can argue with that. one of the reasons consumers -- >> neil: they're giving away cars. >> but they're not. >> there is plenty of incentives to buy car. >> you can buy a car with the worst credit rating in the world right now. and by the way, kristen, as far as the consumer spending, the one thing to your point, savings dropped a lot. so people are dipping into savings to buy stuff, that might be a false sense of security that might not last. the bottom line is somehow the white house has to engender