 So the way I describe in the book is that it is socialism in a way for the rich but I'd say more than that it's socialized risk which is that risk has been socialized. I think that's the key part here that everybody whether it's got to do with the rich, it's got to do with the middle class or even the poor a sense that no one shall bear any risk that everyone is going to be protected by the government in some form or the other