Economy is the worst behind us fair question when will we see a downturn and why im going to divide my explanation into 3 parts and im going to you know what lets do this i want to go over to the wall so i can do this for you let me go over here so i can show you what it is that were seeing as far as some of the trends go right theres a theres a debt burden in our country right now we talked about this before its like no other ever experienced in our nations history Household Debt is above 14 trillion dollars thats how much the average american someone like yourself may owe right so let me try and break this down for you into 3 key parts that many of you may find well relatable thats why we put this line graph up here for you and i want to start with auto debt its been going up now for about 3 straight years thats the blue line that you see right. There look at that line look at the trajectory thats taken you know what this number represents right here that number represents 1. 35 tril