The second critique, that the unemployed use their benefits to fund leisure rather than to look for work, is also off the mark. To be fair, there is a kernel truth to the claim that unemployment insurance disincentivizes searching for work. However, it is far overblown by opponents. Research on the program's effects indicates that each additional week of benefits leads to about 0.18 weeks of additional unemployment, and a San Francisco Federal Reserve study suggests that the current extensions are responsible for just 0.40 percentage points of the increase in the unemployment rate. It is a little silly to suggest, as some do, that the country's high unemployment rate is due to unemployment insurance benefits when far more obvious possibilities exist — such as the collapse of the U.S. housing market, the euro crisis, and generally low demand that has left 10 million more workers unemployed than there are available job openings.