stage, but nonetheless i think an issue, the issues we have come a funny happening just mentioning karlin sometimes gets a laugh. the issue to discuss your our big important ones, ones that i think we've all been grappling with, and you've written a very short book about. i think without diving straight into central issues -- >> it's much harder to write a short book that a long book. i mean that. this is the shortest book i've written and it was the hardest to write. it's like a haiku. trying to boil things down. but i think that per page i get to read much more than ever before. [laughter] >> well, we are at the end of the historic financial crisis, at least we hope we're at the end. most americans don't understand the complexities of what happened in the financial system, and yet they feel they have a very good grasp of exactly why it happened. it was too much debt. it was to must consumption, greedy, careless bankers, financial instruments they couldn't control. so according to your book none of this was because it all. it was entirely different. what's been going on? >> i think the g