As credit becomes more available in economy, we really need to couple it with much better education so that everyone has a good sense of how to think about these personal decisions. Are you pretending that something is an investment? It's really consumption? I think in housing, i see this all the time. People basically buy a house or an apartment that is beyond our means. And the justification is, look, it's a fabulous investment. No, it's not an investment. It's consumption. And you should think about, can i really afford it?