basis if i could learn another language and learn the language of cbo's and i set about trying to and piqua was going on. so as i sat and all i did what most journalists often do and i haven't got the hottest idea what is happening and i flipped through the brochure materials and started reading biographies of the people from the tribe who were up on the podium and i noticed something strange which was almost all of them seemed to work at jpmorgan which back in 2005 it was kind of weird because in those days everyone seemed it kept popping up everywhere but suddenly the a llama so i asked my neighbor what is going on and why they're working at jpmorgan and why they used to work at jpmorgan and he said a sentence which later is up if you like changing my life or leased shaping the last year, you've got to understand there is one thing about the credit world that is a key, it is a more in a mafia. they are everywhere and they created it. like many quickly shays that was not entirely true and i was just that they were not the only ones who created the modern world of structure credit by any me