We know that every success story that you could talk about there's another story about a man or woman who just lost a job, just been laid off, a plant that's been closed down, a mortgage that's been foreclosed on.

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And we saw one of his friends and, you know, my son starts telling me this story that his friend goes to the candy store every morning, buys a few packs of gum.

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And Adam, the phrase "moral hazard" has gone from a, you know, a question on the Econ 101 test to something that's in the leading paragraph of every other story on the front page of the newspaper.

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