we pushed countrys to liberalize their capital markets and open up their market for drifftives. those were things that were not actually good for those countries and not good for but they may be going in opposite directions. the problem is that -- goes back to our political structure. our political structure provides too much room for campaign contributions and the influence of lobbyists. if you look at the lobbyists, for example, for instance, from the financial industries, there's about fife for each congressman. huge amount of money being spent for the financial industry to get bills through that are in their interest. they may not have been able to invest their money in real investments, make good judgments, but they have made good political investments, and now they've been getting a return. so in the end it's the political system that -- in the united states that we're going to have to have reform if we're not going to have a reoccurrence of what has happened, this type of disaster. and if we're going to be a model for other countries around the world. host: we're going to