| a third of americans have less than a | 3.919 | Jump to 57.44 |  |  | 
              
                
                  | thousand dollars of savings to their | 4.64 | Jump to 59.76 |  |  | 
              
                
                  | four or five times maybe which i do not | 3.68 | Jump to 104.64 |  |  | 
              
                
                  | commit to whether it will be three four | 4.319 | Jump to 124.0 |  |  | 
              
                
                  | five even seven rates he doesn't want to | 4.479 | Jump to 125.92 |  |  | 
              
                
                  | be 25 basis points or 50 or something | 5.681 | Jump to 130.399 |  |  | 
              
                
                  | happening is there's two factors on one | 4.879 | Jump to 206.08 |  |  | 
              
                
                  | rotation from one geography to another | 3.52 | Jump to 271.44 |  |  | 
              
                
                  | two feet regardless of whether we are | 5.84 | Jump to 302.72 |  |  | 
              
                
                  | worlds i think that that's one side of | 3.92 | Jump to 311.52 |  |  |