 capitalism you know one of the things that happened in 08 you were young then obviously you may not remember it but capitalism was washing a little bit of a bad year yeah well it was washing out the bad actors because capitalism hates greed and it punishes greed and of course our government stepped in and stopped all that so a lot of those bad actors didn't really learn any lessons and some of them are trying to repeat the same mistakes again but it wasn't capitalism that failed it was people that failed