now on book tv louis hyman looks of the impact of credit cards and consumer borrowing on our economy since the great depression. this is about 40 minutes. think you so much for having me here. one of new york s most distinguished institutions and it is a pleasure to speak here this evening. history is more than anything storytelling, and i want to tell you some stories about the history. i want to start with a story that because of the recent past should be all too familiar to you, a story of financial crisis. now, i changed the name to what dick and jane but the story is all too real. it s not just about money it s about love. it s about hope, it s about finding your place in the world, it s about growing up. now, dick and jane smith met shortly after they moved to the city with the declarations of love, rings were exchanged and vows inevitably followed, and then they began to search for a home of their own. he didn t have a college degree dick recently found work in the