impacts of this crisis the most? >> well, jake, no one would be spared. obviously, if the markets tanked, that means that retirement plans, college savings plans, 401(k)s, investment portfolios would all get crushed. millions of people's nest eggs would shrink overnight. also the cost of borrowing would go up. not just for the federal government which would be really bad, but on everything. mortgages would become more expensive. car loans would also get more expensive. taking out a loan as a small business would also rise. so all of those issues. but don't forget that countless people, they rely on the federal government having cash for payment. and if there was a default, the u.s. would have to delay payments on everything from paychecks to federal workers to social security, also medicare benefits. now no politician wants to be held responsible for a disaster like this. that's why investors do expect