i m opposed to the next one, gym memberships. you re always at the gym. gym memberships are $40 a month on average. that s down from a couple of years ago. we re using the gyms more often, so it costs less per visit. inlt surprised by this next one, concert tickets. a lot of the big performers canceled or scaled back. discretionary spending, a lot of people don t spend 100 or 200 bucks to go to a show. 2010 was a tough year for the concert business. they overestimated fan loyalty thinking we would go to concert that we usually do and pay several hundred dollars. we didn t. attendance was down. they re looking to lower the base price to get people in under $55 on average. they ll make the money elsewh e elsewhere, concessions, food, et cetera. cars, automobiles, how do i find the best deal? luxury cars. they re trying to go after the aspirational shopper. they re back in the game. they re trying to get them into the showroom offering a lower