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It's an interesting paper. It's funny how seemingly obvious phenomenon don't get researched. You say that the banks are doing well, is that not just on the surface so that execs can get their bonuses? One component of the economy that I haven't been able to wrap my mind around is the derivatives market. It's seems like an out of control betting ring with no limits. I don't have a firm grasp of its economic purpose, but as an outsider, the shear size of the market seems to indicate that it's out of control. Any insights on where it's heading?



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