It's not that the rich have become frugal,

It's not a buyer's market, but we're close to equilibrium.

I'm not really a Jew; just Jew-ish, not the whole hog.

You have to be frugal and if you're not a saver now, it's going to be very difficult.

Speaking for me, it's just another one of those reporting requirements. It's not that big of a deal.

We're already not looked at as being the most frugal people.