us understand the financial crisis that was, and the status of big banking now, we're joined by neil erwinabby mccloski. from los angeles, david dayen, a contributing writer for salon. thanks to all of you. now this is the fifth anniversary. anniversaries come and go. we love them in the media. but we're not the only ones. president obama took a moment to say let's look back on where we started five years ago and where we have come. why is this such a significant anniversary, neil? >> we have been through this wrenching experience the last five years, and it is the defining episode of the 21st century. this really has been the defining episode of our lives for a lot of us. it has caused massive unemployment, years of sluggish economy, and remade the financial system in ways that aren't totally fixed yet. >> abby can you pin the current economic situation to what happened to the banking five years ago? >> the economy is certainly facing significant headwinds, we have 11 million americans who are unemployed, and i think we have to ask why. and the dodd-frank act is part of that answer. >> we