What's interesting about Taiwan is that the average household wealth in Taiwan, I believe, it's actually substantially higher than it isn't in the US.  Now, Taiwan is a much poorer country, so why is that?  And I would argue that the reason is because the safety in Taiwan is not nearly as complete or as generous as it is in the US.  In Taiwan, for example, if you lose your job, people don't ask "Are you going to go on government benefits," right?  People ask, "Well, what kind of business are you going to start in the meantime?" Okay the assumption is that you're going to go down and rent the food  cart.  You're going to take that out somewhere; you can pay rent to find a spot in these night markets, very cheap.  $50 bucks to get a sign made, and you'll be up and running that evening earning income whilst you look for a job during the day.  It's a completely different mentality, whereas I think the $500, right, the fact that in a nation this wealthy that 63% cannot afford $500 emergency expense, I mean people are driving on the edge of a cliff all the time.  And I think a big reason for that is the safety net, right?  We've created . . . where people do not save enough they spend way up to the limit, they figure they'll just go on credit, and then something will happen.  So I think, yeah, without a doubt.  And, of course, the upside for policy is that any politician who would propose some of the tough-medicine type policies, you know, Jim Grant talks about in the forgotten depression, the sort of standard recession response back in the 19th century.  Anybody who talks like that you're not going to have media trolling up millions of people who are suffering exact where people are living right on the edge