Great interview, as always. Question: around 50:13 you talk about what coulda been. After saying we could have set up alternative financial arrangements, like non-profit community development banks or credit unions, you go on to say that, even without changing ownership structures, we could have set up simple banks, that just took deposits and made consumer and business loans and stayed away from all that speculative stuff. But wouldn’t such banks end up being liable to all the problems you laid out so well in your critique of the “move your money” campaign? Or is there a key we could turn to make them different?