Josh: It seems to me, josh, like something changed when you talk about the early house of morgan. The way that i interpret that history is, look, obviously these guys were, were greedy, self serving guys who wanted to make money just like everybody else. They said, wait a minute. If we could design this stockmarket idea public equities, that would allow the country to be more successful. So they were making the world a better place. Of course, they were getting rich along the way. And they created monopolies that served themselves, that's human nature. I for one, am not persuaded that c d o squared and other recent innovations in financial