[laughter] >> helaine?>> i joke that to have done my book right i would have had to have junked half of it and started all over again, and my children would have had to have published it after i'm gone because there were that many scams in this world. i think the one that crystallized it for me that when you're writing a book about personal finance, a lot of people come to you and say i've got the solve. and these are well-meaning people. and i began to look at a thing called financial literacy. in fact, it's all will be well and they'll learn all these behaviors they should have learned. it sounds reasonable, right? how could you be against teaching kids about money? i start to look at this, i'm thinking, oh, maybe this'll actually work. i discover one of the greatest boondoggles i have ever stumbled into. financial literacy starts with ford motor credit in the mid 1990s. they're trying to cover up the fact that they're having a problem with what we now call subprime auto loans. and so they get this bright