My point is there is no grand surplus of us. Stuff like golden handcuffs and excess capital sloshing around are one thing, but even with a fix for that (a reces

My point is there is no grand surplus of us. Stuff like golden handcuffs and excess capital sloshing around are one thing, but even with a fix for that (a recession) I’m not sure it really addresses the demand at the root of all of this. I suspect we agree on much of the rest. I suppose my initial reaction was due in part to how you framed it, so sorry about that.