that's not what caused the financial crisis bearden in my book i talk about sixteens. first, primary costs was government policy. mixture varies by industry. the least regulated industries technology, which by the way has done very well. the most regulated financial service. after we had our biggest problem. secondly, government policy created a massive disinvestment pickup focus in the residential real estate market. that bubble burst is all due to strain showing for dollars allows. thirdly, large financial institutions called wall street made some serious mistakes. if i'd been charged and what about the institutions fail. however, those mistakes are secondary in the context of government policy. for lan must import me, almost everything we've done, even things that might be helpful little bit in the short-term are radically reduce their standard of living in the long-term. this point, even though there's lots of economic cause, the real cause in the real curious philosophical and i will focus on that in my presentation. finally if we don't change direction economical