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Income so in other words, people were borrowing about what they were making to feel good. >> absolutely. >> that's why everybody had a great car. everybody had a nice house. >> sure. exactly. >> it wasn't realistic. another thing they say, a problem that the bill doesn't address is the shadow banking market. it's very interesting what this article says. during the great depression, you couldn't really hide the great depression because you saw the food lines and you saw poverty. here, you didn't see the problem because it was all in a shadow banking. what is the derivative? show me what a deriv...