Guy 1: People now blaming derivatives. Fools don't even know what they are.

Guy 2: I sure as hell don't. They're complicated.

Guy 1: They're not, they have nothing to do with this.

Guy 2: What are they?

Guy 1: (pauses) Derivatives. Derive from underlying...things. Not stocks. They're...

Guy 2: You don't know.

Guy 1: Not bonds.

Guy 2: You don't know.

Guy 1: (pauses, smiles) Not really. (pauses) But they have nothing to do with this. ...overhear more