"It was very impersonal and very insensitive, " he told CNN.

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If you have to plead, "it was a joke" then obviously it wasn't, or at the very least, ill advised and insensitive.

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Ms. JEAN SETZFAND (Director of Financial Security, AARP): Insensitive at best, because I think very few people are dreaming about a beach vacation.

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So if you have a financial community that, at the peak of the bubble, and the pit of the trough, is under the influence of these very highly elevated chemicals then they are basically price insensitive and I think that means that monetary policy stops working.

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