please join me in welcoming and juliet schor. thank you. welcome. it's a great pleasure. be here and i just wanted to start by telling gerri what a magnificent book he has written. as some of you know, he has had a careers of research and writing on banking and finance, as well as considerable engagement with reformers in, this sector. and the book reflects that extensive research search, deep knowledge and accumulated wisdom. you did a great job. a book that works for people like m work these issues as well as people who know almost nothing, the financial sector or, the economic system. so congratulate and thank you for a really important contribution. it a tour de force and i recommend it to all of you. so just wanted to start by letting you have at. what is the problem of bank and and i'm going to give you this, mike and maybe you want to start up there. okay. thanks julie and thanks to all of you coming this evening on this very cold leap night so we can all leap a little in celebration. so thank for all being for being here. and thanks also to harvard books response