One of the most constant aspects of American life is change - and nowhere is it more evident than in our financial markets.

Our economy is increasingly dependent on the success and integrity of the financial markets.

The reality is that financial markets are self-destabilizing; occasionally they tend toward disequilibrium, not equilibrium.

The middle and working classes are paying the debt that the financial markets created.

Developments in financial markets can have broad economic effects felt by many outside the markets.

A second reason why science cannot replace judgement is the behavior of financial markets.