savings. if you look at savings rates pre-pandemic, about 8%, right now high 20 to low 30 s, people saved up so they didn t have to work and employers are really finding hard time again, small business owners in particular, especially in the hospitality industry are finding almost impossible to get workers back and in many cases impacting the amount of hours they can open, the number of stores they can open and it s hurting the industry overall. anita: hospitality for certain. you can feel that when you go to restaurants and hotel. what is one thing the biden administration can do to help business as cross the country? one to have things is we really need to encourage people to get back to work. we have to not make it basically economically viable for people to basically just stay at home and work and we have to make sure the policies that are put in place really come back and are really focused on driving inflation down which is a major