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Oh, no need to look up their names. I'm not sure that's necessary. I think anyone would agree that there are more than one group of people responsible for the financial mess we find ourselves in. It's a systemic problem and I think a whole lot of it has to do with businesses being beholden to shareholders on a calendar year. They are forced to raise profits every year regardless of whether that is feasible. Therefore, they are forced to get "creative" within (and sometimes outside of) the law.
Glad to have you around, see you in the halls of hubski.