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so were in the business of solving the compounding Problem by creating convexity in peoples portfolios by changing portfolios so that they perform the best when youre wrong when unexpected things happen as opposed to performing the best or targeting their best performance at the expected outcome David dredge great to get you back on real Vision its been a long time yeah it has been its good to be back it should be fun yeah because a good old mutual friend of our Steve Diamond said listen you guys got to chat so I thought yeah lets lets do this on video because I want to catch up with because I hear youve got some super interesting thoughts but before we get going for people who didnt see your video back in 2016 just give us your background because its its really interesting uh it goes back to Forever uh when we all grow now we all do its terrible I grew up in Utah went to University of Utah went to grad school at UC Berkeley studied economics under Janet Yellen and financi