Direct from the United States Senate........

According to resolutions passed by the Senate last month and the House early this month;

Some 10 milliion households don't use insured banks.

Some 75 million Americans "remain credit challenged and unbanked".

The personal savings rate last year was -0.5%, the first time the savings rate has been negative since 1933.

More than a third, 37% of workers said they are NOT saving for retirement.