The Cost of Sludge

Penguin: Sludge is this thick goy by product of some industrial process that just gunks up the works. There's lots of different kinds of sludge, from massive forms you have to fill out to apply for student aid if you're going to college and also business practices that involve sludge. I'm curious if you can give us any sense the cost of sludge on a much larger scale the sludge that prevents economic activity or ontripenurialism.