reform that the president is proposing, is that it is going to just make the whole system a little more transparent. just the idea that everything has to be laid out, written, and understandable, may help us get toward a clearer system. it is a very opaque, hard-to-understand system right now of financial regulation, left only to the experts and unable to be regulated by mere mortals who don't even understand the language of this, candy. >> boy, that is -- that is for sure. thanks so much, our cnn chief business correspondent, ali velshi. thanks, ali. it helped sink lehman. it got goldman in hot water, and it drove aig to a government bailout. now, it's at the heart of the debate over wall street reform this week. it's called derivative trading. what does that mean? our cnn national political correspondent, jessica yellin, is here to explain. so, jessica, have at it. >> okay. breaking this down, candy, derivatives are basically like buying an insurance policy, and it all started with crops. for the sake of it, let's just say you grow green beans. you spent money planting and raising them. and you hope that they stay