saddled with more debt than those charging up their credit cards it's out today you can read it chris martenson is web site which is pretty peak prosperity dot com and you can hear him talk about it now on our show because david columns here he's a betty are miller professor of chemistry at cornell university and author of the year in review out for two thousand and twelve today so first thanks for being on the show it's my pleasure second let's talk about why you as an organic chemistry professor are known for writing a financial.