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all right oak tree Capital group coach here Howard marks really needs no introduction more than 50 years of experience with a very unique and evolving assessment of what constitutes value his periodic memos must reads and his latest it focuses on two major sea changes that he navigated in his career and a third sea change underway right now that has taken us from a low return world to what he says is a full return world that should provide much better opportunities for bargain hunters please to say Howard marks joins us for an exclusive interview right now Howard great to see you I see you Romaine you talk about these sea changes two big ones of course that really marked your career a lot of it having to do with sort of a recalculation and I guess a reassessment of what risk is and whether you should embrace it of course a low interest rate environment theyre dominated for basically four almost five decades and now you say were basically in the middle of a third sea change what is it