And misdirection and deception to avoid the sort of regulation and oversight that would have done much to avert the financial crisis of a few years ago. And it would keep the same thing from happening again in the future. So, on my left, though it is hard to be to my left too much [laughter] as someone of you who have read my columns may know is noami presence and her book came out tuesday. She is a former wall street executive who was written for many publications in the united states. And her book examines the relationships between banks and bankers on one hand and on National Government and going back to the sevecenturies and bringing it to present day. On my right is the coauthor and she talks about what is wrong with banking and what to do about it. And that is georgia parker, professor at stanfords graduate schools of business. And he is one of the most analyst of the Banking Sector we have. Her book shines a spotlight on how the banks avoided what could have been the most effect