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So I think the answer is, we have a very severe economic downturn because not only is capitalism always unstable, but this one comes at the end of a thirty-year program of denial, of substituting credit for a working economy that grows and allows people to have higher wages. We never helped our people understand any of this, so now it’s like a tsunami has hit us as a nation. And we look really badly equipped as well as unprepared to deal with it.