i started reading the benner eda of san also on the policy proposals and the more that i looked, the more kind of tester dial was pitching in and talking academics and this whole part of their that i don't know we would get into, but i didn't like what i heard and i didn't like what i didn't hear, the fact i wasn't hearing certain things that seemed obvious to me. now, when i read, i came across a lecture that martin gave about the crisis and that made sense to me. as i entered this and started riding high established contact with martin and early, 2010. we started exchanging views and ideas. what he said makes sense to me whereas a lot of other people said did not and he was involved in banking for 20, 25 years so i'm a newcomer from corporate financing governments looking into the banking saying that is a really strange industry. very strange. to the point that i opened a textbook and this is what the students in my class said as an epigraph of the chapter. it was shocking. in the spring of 2010, i decided basically i have heard enough nonsense i wasn't going to just say something