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neil: are they really? yeah. nobody is happy. everyone is frozen. they re hoarding cash, whether it s businesses hoarding cash or individuals hoarding cash and they re really thinking way too much about everything. should i buy that shirt, go to that restaurant. forget about should i buy a house? the big ticket, you re stuck with it ten years item. it s overthink because of a lack of confidence, they re all frozen. well, i do see with the crowd you hang out with, i look at them, but the crowd you hang out with, they have a lot of money. and they can blow a lot of money. but they re not so predisposed. why not? go engi again relates back to, the government throwing incentives here and there, 8,000 home buying credit. neil: that doesn t make a difference? no, none of that makes any ....