Or the derivatives people, let's not forget them. These are investments that are so complicated, they are designed by math Ph.D.'s and self-taught math geniuses to be indecipherable to average geniuses, much less any mere bank CEO or holder of a seat on the NY Stock Exchange. Basically, these investments are mystery boxes unknowable to their buyers and the brokers who sell them, based on a kind of magic thinking. It's like the invisible pony big brothers sell their younger brothers to cop they're piggy bank savings. These people too need thousand dollar tobacco. And Manhattan real estate to evict the arts community that used to live there. Sorry ... I'll behave.