So, i mean, that's very straightforward. I mean, as time passes, we spend more money on health care. If youlk at medi care spending, for example, in the 60 seventies, it was as on one % of gt b a week, closer to six now, i think as a whole, iwas spending about 14 percent of gty p on helth care in the us. Which is the highest in the world for probably one of the worst outcome. And that health care is given for free, or, you know, people over the age of 65 and under many care. So if some one gets a service for free, some one else is paying for it one way or the other. And again, i'm not, i'm not arguing that we should not take care of our daily population, but i'm kind of questioning why, you know, why health care becomes aright, when you're 65, but not when you're 64?

Just so you know, you you are not making judgments body, as you are talking about the reality of how this will affect your investments and nd, set the mackerel landscape. Ndand that's one of the things people need to remember. It's just becausew you say that this is an issue. It's an issue for the markets. And it's, it's a political choice we need to make. And everybody nees remember that. Ok. The next one is student debt and the college racket, which i think, i's a great way of explaining, describing it well. So

ithis always something that shocks europeans when you move, or i even, i say non americans when you move to the us, is how casual people are with that in this country. In europe, if you have that, it's like a letter of shame, you knowor if you fail in the us, we cannot have this very and i think it's very positive, like a second chance mentality. You'l ge try. If it fails, you know, get back on your feet, stand back up and do it again. This is anothe chapter 11 for for bankruptcy, or even the ability to discharge yourself of your debt, yar personal bankruptcy, which is much easier in es than the rest of the world. There is one exception though, is still in debt. I mean, you cannot discharge stud in debt through default, which is, i man, is ridiculous. Is the same stuff, lik the identured laborers, you know, in england. Ar you, you know, you owe me ten dollars, so forever you will have to be in my service. Henre it is, i we change law in a way that, you know, that is very unfair to two young generations, specially people who are not necessarily able to make decisions like, i mean, can you make a decision with respect to b taking six figure debt when you 16, 17, and when society has all tells you you need to go to college to get a good job? Yet? Ayar i ian most of the time. I mean, in o wan yo, go toco mes. It's real. Just a lot of boozingit. It's very expensivea a ande, i was really hoping that cove would change things, like i thought, we no way that, you know, after like, watching basic ou tobids for a year, this is going to change. And im starting to dirate like that me. Now, ina,

don't get there, cause wer can talk about the spring of hope, and you can talk about maybe the changeis than the final and the fourth one was the unaffordable real estate, right?