that has to give us more discretionary spending. that will help the economy. i think we have a lot of goes in and goes outs. but overall, we have a strong economy, a lot of concern with the external events, the fed rate. they're still talking about debts. look at the ppi and the cpi. i don't think we have an inflation issue. >> neil: yeah, the numbers are relatively contained. inching up. >> same thing with the ypi. 2.2%. >> neil: while i'm talking to you, we're getting flashes from regulators that are looking at easing the pressures in california. the reason why i mention, the new democratic majority coming in to the house led by maxine waters is going to be taking over the house finance services committee said we're not going to go slow on easing back on regulations. what do you think of that and the battle to come here? there's two different views on this. >> that would be really