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What is your wealth creation strategy? Do you have one at all? If not, it's not unusual. A lot of folks don’t have a wealth creation blueprint despite

>> morgan, we are reaching the trillion dollar mark and as i said 90 percent of them are government and they don't do credit checks and this ease are dangerous loans. >> the whole system needs to be revamped. right now currently it is it the lesser of two evils. look at private loans for a second. they might do credit history checks and do variable interest checks if you depefault and repayments are more stringent and sally may is selling them off in slab loans that. is an issue. talk about the bubble beyond student loans, look at private loans. >> haven't we learned anything. we are suchering...