this overhang of debt they are operating under. one of my theories and it s not original. i heard it from someone else. one reason people buy buy housing is never a bad investment was all those people who bought houses in the 60s and 70s and had the value of their mortgage rates reduced by inflation. it was a great investment for generation of people come up with an housing was elation that eroded the value of their debt. i think that could be something the economy needs. i will say, you know, the debt overhang is really dangerous strain of going forward in the economy. we have a savings rate of under 6%. there s a reason why can t jump to 12% over the next couple years. we ve had 12% in the past me of home prices falling again so wouldn t the a shock of people started saving and i ll put a serious drag on growth going forward. and i would just wrap a good point about fiscal policy. i would say that the fed does have should be allowed to have an opinion on the side of the f