this point i think was made uniquely by joseph shuler who is an economist at yale whole just recently won the noble prize for economics when he said this in his book, finance and the good society. the essential challenge for leaders to contemplate in coming to terms for the future of finance is to understand that it can be used to help broaden the prosperity across an increasingly wide range of social classes. imagine the development of a new laboratory. the funding of a new medical research center, the building of a new university, or the construction of a new subway system. finance provides the structure to these and other enterprises and institutions throughout society. if finance succeeds for all of us, it will help build a good society. but we're not sure it will succeed, a market economy. there are issues which make it a challenge. and interestingly enough, it was adam smith over two years ago developed the concept of a free market society which is who caught this issue and he said, and i'm paraphrasing here. he said essentially great nations are not impoverished by their people