forces for the consumer. >> that's absolutely true. the information technology, what has happened is essentially made, put certain businesses on wall street out of business. it made certain functions that wall street used to serve, bringing buyers and sellers together. a human being bringing together unnecessary. the problem is that, though a lot of the games of the technology have been shared with the consumer, in this case the investor, and it's true that it's cheaper now to trade stocks than ever before. unnecessary rents have been captured by wall street. they didn't deliver all of the gains. they have created a role for itself, for wall street to sit between buyers and sellers. completely unnecessarily and tax. essentially levy a tax on the investor. so it's as if -- what's it like? it's sort of like 20 years ago when i lived in london and i had