I’m Michael Osinski. I’m an oyster farmer. My wife, my two kids and I farm oysters here in Greenport. 1985, I came to New York to see the big city. I eventually got a job at Lehman Brothers working for mortgage-backed securities. and I eventually wrote what’s called a structuring tool for them. That’s the piece of software that takes bundles of mortgages and can make mortgage-backed securities. You take chicken and you put it into the grinder and out comes sirloin. That’s what mortgage-backed securities are. As a software developer, you write software that makes human beings’ jobs easier not harder. I can teach any idiot to construct a CMO in a half a hour, things that would take a days, you know, weeks to build these CMOs. A few presses of the right button and there you go. Voila! There’s your CMO. If you remember 2003, 2004, 2005, we were at war, this country was at war and the economy wasn’t doing well except for housing. Nobody was really questioning why they were issuing so many interest-only loans, why there’s so much subprime mortgage origination. No one was really checking because everyone was making money off of it. It became such a gigantic industry. It was so profitable and you know, all the software was set up and you had all these salesmen and traders. You pay them that much — $10-20 million — they assume they are gods. Everything they think of is correct and right and they don’t question themselves. You know, I got out of the whole business in 2000. So, we came here and started growing oysters. No one gave a damn about software that securitized mortgages 10 years ago, and I had a hard time explaining how I could retire at 40. Then after the crisis people were interested because it affected them. There were some people that had some negative views about us. Now, of course I’m 64 now. I’m much more concerned about ocean acidification than the financial crisis. You see that green stuff floating. We shouldn’t have that. That’s people fertilizing their yards and road runoff. Over nitrification. I love seeing people order my oysters. My wife and I will sit there, “Look there goes a dozen, there goes a half a dozen.” And, I had a similar feeling on Wall Street when I would go to a trading floor and there’s my software and these guys are using it, you know. That feeling, yes, to create something out of nothing and people use it or in this case eat it, that’s a real pleasure. This is the French method of opening oysters. You go in the side. c’est bon You know we wrote a good piece of software that we sold in the marketplace. How people use that software, you know, you really can’t control that. So, I don’t sit around regretting my life per se or the software I wrote, no.