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hi Richard hey Bob how you doing Im well thanks and you I cant complain uh and Im very happy that youre with us to explain the latest Financial calamity this is when you get an email from me when theres financial trouble Brewing you were you were with us uh when the pandemic uh started and we and the the financial collapse began to to walk us through that let me introduce uh both of us Im Robert Wright uh publisher of non-zero newsletter this is a non-zero podcast youre Richard vague um the thing youve done most recently thats relevant to the conversation were about to have is youve written a piece for the journal democracy called the svb failure why it happened and what it means where svb stands for Silicon Valley Bank I want to talk about all that talk about um where we stand in this thing whether it could get whether we should be worried and so on uh let me uh talk about your various uh relevant credentials I mean first of all youve written some books uh the uh the next