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Anything else anyone wants to say?
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Someone else had their hand up before.
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All right. So why did the system become such a mess?
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How did it go broke? How should we have expected it to go broke?
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Did it all happen because there was the baby boom?
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All right, so I want to tell a little parable.
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It has nothing to do with the baby boom.
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Okay, so imagine that--and I'm saying it in terms of fathers and sons,
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but I could say mothers and daughters.
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So historically, it was men working most of the time,
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but let's do mothers and daughters.
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So suppose a mother is old now and sick and she needs an incredibly expensive