taking the industrial basin an you're trying to help people invest in those skills which will get them johnsbs in t base. so i would say education. >> richard and then to this gentleman. i mentioned richard because richard helped instigate the idea tore for this conference. i won't say he's responsible for a lot of debt in the country. >> jobs. >> a founding ceo of first usa bank and sort of invented the affinity card. this is the guy who built his fortune out of all of you guys being addicted to points. >> thanks so much for your comments. i do want to note before i talk about zwloobs alan meltzer earlier talked about a recent study of seven countries with totally different tax policies that more or less demonstrates that tax policy is the lesser factor in the difference between the 1% and the 99% and he said it's the entry of 600 million indians and chinese into the job market that are kind of depleting or decimating the wage structure of the bottom 99% and i think there's a lol of validity to that which would lead to my thought that it's really the invention of the futuring that creates job