[IWE] banking 101

[William Oxley]

. =93Dave, the issue with lending is you need to get a return on your =20=

money and you need to get a return  of your money. If you don't get =20
both, you don't know how to run a bank.=94 It's a lesson that was =20
obviously lost on the bonus-loving executives who were calling the =20
shots at the big investment banks and mortgage giants during the past =20=

decade.
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