>> they're either going to have to lower their lending standards or they're going to have to lower the interest rate at which it injured. >> and that's the key point. that it does it through the expansion of the money supply but that's the reason why i offered to warn the simple antidote over what happened over the last several years. the federal reserve set the overnight interest rate at 1%. that's impossible for a market to ever believe in because it was beneath the rate of inflation. that would not be a market determine fortunate interest rate. the interest rate was moving the one...