hart many here's my interview with tom to walk me through some recent events he says that our recipe for economic disaster. i think the government shutdown is a symptom of this rise of the royalist class. talk about the book on using the old prison fdr did spread the good of the billionaires and not only their attempting to seize total economic dominion power but also political power. really the crash started back in two thousand and six. and when the housing market to fall apart just like the great crash nineteen twenty nine through nineteen twenty seven of the housing market fell apart. each and we are still in. begun in two thousand and nine. we were losing seven hundred thousand jobs a month but obama was sworn in on and he didn't stop the crash what he did was he basically chant enough bubble gum and baling wire against it. that should just call it which is why we are still in this very very painful way. it's a testament in the nineteen thirties they did refer to as the great depression that bad raised in colombo nineteen forties. i think in a decade to decade smelling of your c

helping us sort this out is tom hart, president of the national association of health underwriters and the president of landmark benefits incorpor e incorporated, and steve roeper is the president of roeper insurance and financial services. great to see both of you. >> thank you. >> good morning. >> so, tom, let me start with you. let me give you the first scenario. i am a company, and i have less than 50 employees. i don't have to provide insurance, but i would like to. i'm not currently providing it. what do i do? >> well, my first recommendation to any one of those small business ace cross theountry is don't go to melt care.kovsh first. the technical aspects of healthcare.gov are uncertain at best until the end of the year. the best thing find a local agent or broky who can help them navigate through the challenges of the health care system and help them find the most economic solution for their employees and their dependents. more importantly, helping to make sure that whatever physician or provider that they have for their health care is part of their network. >> okay. so steve, t

i just read tom hart and then i just ordered his book on the crash of 2016. i really wonder how much time we have and how frightened should we get the american people or how concerned should we get the american people on this issue? >> it is problematic. when we did 2009, i'm not a fan. it was more short-termtock. let's give the economy a little boost and things will be good. we taled about infrastructure spending then. i would take too much time. we would've had the the better waterways. so we need -- we need to gt up to short-term thinking. we need to think long-term. same thing with entitlement refor the action are going to be much more limited andng ireany direc. what is the most local government or solutions that can come out of washington to some of the problems were describing? >> i think in the near term we shouldn't look at washington. the state governments are doing a lot better job. we're going to have to step in and fill the void. corporate leadership on this would be nice, too. look, i think for wealth accumulation and lower income families, firs