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weve talked a lot about market structure about the plumbing of trading but were still moving around on some things some problems failures to deliver settlement periods to talk about that what could be done how we could fix it we went back to a mean markets all-star dr suzanne trimbath joins us again im thornton mcgenery and this is mean markets [Music] where are we right now in the cycle sort of with meme stocks everyones talking about you know all failures to deliver all this stuff but on settlements theres an issue here walk us through your thesis on that whats happening with the infrastructure of the clearing and settlement system all the post-trade stuff if thats not fixed then it doesnt matter what you do on the trade side youre still going to have these persistent problems where shares are sold but not delivered which means that the money comes out of the customers account and they get an iou for the shares so as of right now really you can be fined and you can be scar