how much are they to blame? >> interestingly the poll we are discussing here put a large part of the blame on congress and then slightly smaller part on the banks. so people do tag congress and the banks. i think right now congress in particular with its -- is clearly not doing anything to help i'm talking about the fiscal cliff. actually if you dig deeper what's really going on here was a uniquely tough labor market for middle-imcome people they just didn't get the opportunities they had in earlier periods. remember these folks don't depend on tax-favored stock dividends and, you know their portfolio returns. they depend on their paychecks. right. they don't live off capital gains. >> exactly. >> do you think if the president gets reelectioned things will open up.