ones that are r rez epaid and have no redengs. i don't know how people could a major otten what disappointing,was i think it was to change it. this, people. both the banks and the advocacy groups, nay ear channeling a "wall street journal" article attacked me from subprime keeping me from buying a conservative umbrella. to do n't found a way that effectively yet. >> neil mentioned democracy is ood at fixing problems but not good at heading them out. the panel talked about the issues of government involvement industry that are sort of ongoing. can you think of -- like bravi -- is it a institutional issue. how should the government go about making sure that you have on the horizon now? is it possible? >> human civilizations are prone to mass delusion. it's funny but not funny. i bought a house in 2004 and 2005. i didn't see the bubble connelling. fw we had a camp -- i'm going on mortgage spending. members of the panel would be keptged their members were from the american dream and first time homeowners would have outraged. it's hard