Well, certainly young people are delaying forming households. We spoke to a number of people and they said: “Are you kidding? Having a kid is a permanent commitment, and if I don't have a permanent job, how do I finance that?” I think we're seeing this in house purchases as well. The banks don't have precarious loans. They want the same amount of money each month, but if your income flow is not the same each month, how do you pay that money?
But I think the more serious issue here is what actually goes on inside the household. For instance, if my kid would like me to coach their ball team, that means I have to commit to every Wednesday night. I don't know if I can do that, because I'm not sure which Wednesdays I have to work; I don't have control of my schedule if I'm working through a temp agency. So suddenly we lose that community support from parents to their children.
I think there's also just the stress inside the household of not knowing what income you're going to have in six months. Perhaps your child would like to go to summer camp. You can afford it this summer, but you're saying to yourself, “Maybe I had better not spend that $2,000 this summer, because if I don't have that job next year, I may need that $2,000 to put food on the table.” So the kind of stresses and imbalances this is creating in households, I think, lead us to think about how we can support these kinds of new households.