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Ninetyfive. It is a pleasure to be here. I want to congratulate end on a tremendous success at heritage and also what we believe is important for the free market and free society to work together. I hope that is the pattern going forward. My purpose today is to talk about my book the financial crisis and the free market cure i wrote the book even before i knew i was coming to the Cato Institute. People ask me why did i write the book . The basic answer is interesting to do what they were talking about. [laughter] because if you listen to the commentators they dont know what were talking about. In addition it is important to on to a myth and they become very destructive over the long term and in relation to the financial crisis it was caused by the deregulation of the Banking Industry but it was not deregulated under the bush administration. We had a massive increase. The pitcher backed, the privacy act and sarbanesoxley. While there is plenty of green on wall street it was not us satin

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