The first thing I want to do is say thank you to all of you. The second thing I want to do is introduce my co-author and dear friend and co-teacher. Ken and I have been working together for almost 40 years. That's Ken Sharpe over there. (Applause) So there is among many people -- certainly me and most of the people I talk to -- a kind of collective dissatisfaction with the way things are working, with the way our institutions run. Our kids' teachers seem to be failing them. Our doctors don't know who the hell we are, and they don't have enough time for us. We certainly can't trust the bankers, and we certainly can't trust the brokers. They almost brought the entire financial system down. And even as we do our own work, all too often, we find ourselves having to choose between doing what we think is the right thing and doing the expected thing, or the required thing, or the profitable thing. So everywhere we look, pretty much across the board, we worry that t...