Looks good now – I mean bad. I guess if you believe what’s being said about savings being at historical lows, you can take that out of the budget. Also I’m not sure how many people are putting into 401k, unless their company forces them to. I have a sneaky suspicion some people took the money they would ordinarily put in 401k and instead invested in real estate, b/c they stopped making land and it’s only going to go up.