investors. a lot of what happened was very good. what we need in a way -- the computerization is fantastic. the technology is a force for good. we just need to remove wall street from the process. technology is telling us you don't need the services they are trying to provide. you don't need all this trading, this unnecessary intermediatiation. goldman sachs has come out and said that. the system as it's structuredish the problem is not just that people are getting scalped. that's not the big problem. the big problem is the system that generates the scalping is to complicated that it is unstable. and their worry is that the system -- the flash crashes, nasdaq outages, all the technology failure we've seen in the market are a result of an overall complicated system and the complexity is there by