i wonder if you would like to respond to steve pearlstein's otherwise favorable review where he askedwhy you hadn't put the financial crisis in the context of global trade imbalance or? >> could you th hear the questi? okay. steve pearlstein in the "washington post," finishes review as i recall, i think was the end, chiding me for not basically blamed the global trade imbalance is for the crisis. the answer is because that's not what caused it. [laughter] we have had trade imbalance is, which means we've been borrowing from the rest of the world for decades. there are people in this room, i can see some of them, if their entire lifetime, not my entire lifetime, mine is pretty long, but it's decades and we didn't have anything like what happened over the mortgage blowup and the derivatives, all of that stuff. the world is interconnected and causations always running in both or many directions at once. but this is very clearly a case where shenanigans in the united states, and also some other countries. ireland, iceland, england, et cetera, emanated out to the rest of the world. it wasn