 Decentralization is based on the simple notion that it is easier for macro bullshit than micro bullshit. So it's easier to bring up a big brush and make general statements all the time, which is what our politicians do is talking points instead of focusing in and talking about the intricate, right, the micro. So I'll read that again. Decentralization is based on the simple notion that it's easier to macro bullshit than micro bullshit. Decentralization reduces large structural asymmetries. So you can for now think about asymmetries as people that don't have any skin in the game, right, people who make decisions and don't pay the consequences when things go crazy. So let me read you this thing about bankers. Okay, but not to worry. If we do not decentralize and distribute responsibility, it will happen by itself the hard way. A system that does not have a mechanism of skin in the game with a buildup of imbalances will eventually blow up and self-repair that way. If it survives, for instance, bank blow-ups came in 2008 because of the accumulation of hidden and asymmetric risks in the system, bankers masters of risk transfer. That's his comment regarding the 2008 financial scam.