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Wisdom and dispassion and making this whole discussion nonpartisan but the fact is, that reform is going to be an act of violence because youre going to be reforming a culture that has not -- that essentially has grown up over the last 30 years. its a pretty dramatic social change. >> and where were the rating agencies? why arent we talking about them? >> the rating agencies were being employed by -- >> theyre being paid by the firms. the firms are paying them to rate them aaa debt. its a disast...