capital and outside levels of executive pay, because if the banks are paying themselves, the executives, based on you know, return on equity, that means the more you can lever yourself up with debt, the higher your return on equity when time, good, the bigger the bonus is which explains why we spend more than anybody in the world on health care, but get no health. spend more than anybody in the world on education with the exception of iceland but get very little learning. spend more than anybody in the world on education, but waste two-thirds of our energy, because the executives in chag of the banks that you re talking about who finance al of this get paid to create debt for health care, debt for education, debt for energy, debt for everything we do, because the debt pays better than solving the problem. is that right, matt? well, it s a piece of it, and it s a big cultural shift. remember, if you talk to executives who are retired in their 70s, let s say. people who are the cor