english: How much could be saved if we just borrowed and we might even speak to our friends and relatives a little more often?
non_english: うぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅぐぅうぐぅうぐぅうぐぅ